Homeowners (HO-3 / HO-5)
The standard for single-family homes. HO-5 gives you broader open-perils coverage for your contents — usually worth the small upcharge.
Protect what you've built — without overpaying for it.
Your home is likely your biggest asset. We compare homeowners, condo, renters, and landlord policies from 30+ A-rated carriers to make sure it's covered the right way.
What's Covered
Six layers of protection in every standard policy.
A homeowners policy isn't one thing — it's a stack of coverages. Here's what's typically included, and where we tune the limits to fit you.
- Dwelling (Coverage A) — rebuilds your home if it's destroyed.
- Other Structures (B) — sheds, fences, detached garages.
- Personal Property (C) — your stuff: furniture, electronics, clothing.
- Loss of Use (D) — pays for a hotel and meals while your home is rebuilt.
- Personal Liability (E) — covers you if someone is hurt on your property.
- Medical Payments (F) — small medical bills regardless of fault.
Every Living Situation
Not just homeowners. We cover how you actually live.
Condo (HO-6)
Walls-in coverage for what your HOA doesn't insure: your interior, finishes, and personal property. Plus loss assessment.
Renters (HO-4)
Your stuff and liability — usually $15–$25/month. A no-brainer if you rent. We'll bundle with auto for extra savings.
Landlord (DP-3)
Renting out a property? You need landlord coverage, not homeowners — different liability profile, loss-of-rents protection.
Flood Insurance
Standard policies don't cover flood. We write through NFIP and private flood markets — often cheaper than NFIP for low-risk areas.
Earthquake & Hurricane
Live in a high-risk zone? We'll add separate quake or wind/hail policies with proper deductibles for your specific area.
The Right Limits
Most homeowners are underinsured. We fix that.
Construction costs have jumped 30%+ in many markets — but most policies haven't kept up. We'll run a proper replacement-cost estimate as part of your quote.
Replacement-cost (not market value)
Your dwelling limit should be the cost to rebuild, not your home's resale price. We use industry replacement calculators to get this right.
Extended replacement cost
Add-on that pays 25–50% above your dwelling limit if rebuilding costs spike (think post-disaster). Cheap insurance against inflation.
Water backup endorsement
Standard policy excludes sewer/sump backup — and these claims are common. Add-on is usually $30–$60/year. Worth it.
Scheduled personal property
Engagement rings, art, instruments — standard coverage caps these low. We'll schedule items so they're fully covered without deductible.
Service line coverage
Underground pipes, wires, and sewer lines from the street to your home — repairs can hit $10K+. Endorsement is ~$30/year.
Umbrella over the top
$1M of personal liability over your home and auto — usually $200–$400/year. Smart move once you have meaningful net worth.
Home Insurance FAQ
The fine print, explained.
Why did my home insurance go up so much this year?
Rebuilding costs have spiked since 2021 — labor and materials are 30%+ higher. Carriers also re-rate every year based on regional claims activity (wildfires, hurricanes, severe storms). If your premium jumped, that's the right time for us to re-shop the market — different carriers respond to these pressures differently.
What deductible should I choose?
Higher deductibles mean lower premiums. The math usually works out: going from $1,000 to $2,500 deductible often saves $150–$300/year, which pays back the difference in 5–6 years. We'll show you the actual numbers so you can decide.
Should I file every small claim?
Generally, no. Two claims in a 3-year window can cause non-renewal or 20%+ rate hikes. As a rule of thumb: if the loss is less than 2× your deductible, pay out of pocket. We can help you decide on a case-by-case basis.
Do I need flood insurance if I'm not in a flood zone?
~25% of flood claims happen outside designated flood zones. If you're a low-risk area, a private flood policy might cost as little as $250–$500/year — cheap protection against an event that's not covered by your home policy.
Will my dog breed affect my coverage?
Some carriers exclude or surcharge certain breeds (pit bulls, rottweilers, German shepherds). Others don't ask. We know which carriers are dog-friendly and will steer you there if it matters for you.