Protecting Your House & Personal Belongings Unplanned events happen while owning a home. The most common coverage for homeowners insurance is dwelling protection which covers the structure of your home and structures attached to it like a deck or garage. Most policies include coverage for other property structures like sheds, detached garages, and even your fence. Homeowners insurance also includes coverage for your personal belongings inside your home. Upon unfortunate events like theft or fires, personal property protection can help you replace and repair your belongings.

Protection Against Natural Disasters Most homeowners insurance policies offer coverage for natural disasters like fires, lightning, windstorms, and damaging hail. However, since earthquakes and flooding are more geo-located, these coverage are usually separate from your homeowners insurance. We can help you decide if this is a right fit for you.

Liability & Guest Medical Coverage Most homeowners insurance policies include liability coverage in the case that your guest gets injured on your property. Bodily injury liability coverage can help pay for any legal expense or your guest’s medical bill if you (or the structure of your home) was found at fault.