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Your home is probably the biggest investment you've ever made. But beyond the money, it's where your memories, your family, and everything you've built with effort reside. A fire, theft, water leak, or even an accident on your property can become a serious financial problem without proper protection.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Dwelling Coverage (Coverage A)
Pays to rebuild or repair the physical structure of your home — including walls, roof, foundation, and built-in appliances — at today's construction costs.
Other Structures (Coverage B)
Typically 10% of your dwelling limit. Covers structures on your property that aren't attached to the main home.
Personal Property (Coverage C)
Covers your belongings inside (and often outside) the home. Standard policies cover Actual Cash Value — Replacement Cost is a smart upgrade.
Personal Liability (Coverage E)
Protects you if someone is injured on your property or you accidentally damage someone else's. Includes legal defense even if the lawsuit is groundless.
Medical Payments (Coverage F)
No-fault coverage for minor injuries to guests on your property. Usually $1,000–$5,000 — helps prevent small incidents from escalating into lawsuits.
Loss of Use (Coverage D)
If a covered loss makes your home unlivable, pays for additional living expenses above your normal cost of living until repairs are complete.
What Many Homeowners Don't Know
Standard HO-3 policies exclude floods, earthquakes, normal wear & tear, and sewer backup. Floods alone require a separate NFIP or private policy. Most claims also pay Actual Cash Value (depreciated) unless you elect Replacement Cost.
- Floods are NOT covered — separate policy required
- Earthquakes need a separate endorsement
- Sewer backup is an optional add-on
- Insure to 100% of replacement cost — not market value
Our Approach
We don't work with just one company. As an independent agency, we find what's right for you.
Compare multiple carriers
Identify gaps in your coverage
Adjust your policy to your reality
"The goal isn't to sell you more — it's to make sure you have the right coverage."
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.