Coverages You Need
Many homeowners insurance policies automatically combine many of these coverages; however it’s important to make sure you have each type that you need.
Loss of Use
For additional living expenses, you need loss of use
If your house becomes uninhabitable, this will cover the cost of renting an apartment, living in an extended stay hotel or similar solution....Read More
Liability
For injury or property damage you cause to others or that occurs on your property, you need liability
Covers medical bills and property damage you, your children or your pets cause or that result from an incident on your property....Read More
Dwelling
For your house, you need dwelling
Covers the physical structure of your house.
Personal Property
For the contents of your home, you need personal property
Covers personal items both in your home and stored off-premises. Expensive items generally have dollar limits and may require a policy addition, or floater, to recoup their full value....Read More
Additional Structures
For your detached garage or shed, you need additional structures
Covers house-like structures on your property, but not attached to your home.
Flood/Earthquake
For regional natural disasters, you may need flood or earthquake
Covers damages from regional weather occurrences.
Specialty Coverages
For specific vulnerabilities, you need specialty coverages
Consider adding coverage for identity fraud, sewer backup, equipment breakdown, assistance while traveling or pets. Any possession you would need financial help replacing should be considered as an insurance need....Read More
Rental
For income properties, you need rental
Properties you collect rent on need their own specific type of coverage. Visit the Rental Properties page for more info....Read More
Companies We Work With
Customized for You, Explained to You
Get insurance policies that fit your life, not an out-of-the-box solution that could leave you hanging. Plus, your advisor will translate all that fine print into common sense language you can understand.
Centralized Without Sacrifice
Enjoy the convenience of a singular source for insurance needs, without sacrificing the variety available with shopping different carriers for different niches.