Your home is your biggest investment. We shop 150+ carriers to make sure it's properly covered — at the right price, with the right policy for your situation.
Here's what's included in a typical homeowners policy — and what each part actually protects.
Covers the physical structure of your home — walls, roof, floors, and built-in appliances — if damaged by fire, wind, hail, lightning, or other covered events.
Your furniture, electronics, clothing, and belongings are covered if stolen or damaged — even when they're outside your home.
If someone is injured on your property or you accidentally damage someone else's property, liability coverage protects you from lawsuits and pays legal costs.
If your home becomes uninhabitable after a covered event, this pays for your hotel, meals, and temporary living expenses while repairs are made.
Covers minor medical expenses if a guest is injured at your home — regardless of who is at fault. A small but important layer of protection.
Detached garages, sheds, fences, and driveways are covered under your policy — not just the main home.
Beyond a standard homeowners policy, we can find coverage for a range of other home-related situations.
Your landlord's policy covers the building — not your stuff. Renters insurance protects your belongings and your liability for as little as $15 a month.
Your HOA covers the building exterior. Condo insurance covers everything inside your unit — your belongings, walls, fixtures, and personal liability.
Own a rental property? A landlord policy covers the building, your liability, and lost rental income if your property becomes uninhabitable.
Standard policies don't cover homes that sit empty. If you have a vacant or seasonal property, we can find a policy that covers it properly.
Adds an extra layer of liability protection on top of your homeowners policy — often $1 million or more in coverage for just a few hundred dollars a year.
That's exactly what we're here for. Tell us about your home and situation — we'll walk you through the right coverage amounts so you're not over-insured or under-insured.
No — standard homeowners policies do not cover flood damage. If you're in a flood zone or want flood protection, that's a separate policy. We can find you one.
Combining your home and auto insurance with the same carrier typically unlocks a multi-policy discount. Ask us to quote both together.
Standard policies have limits. These optional add-ons fill the gaps for complete protection.
Private flood coverage or NFIP excess flood — for homes in flood zones or for anyone who simply wants protection from rising water.
Especially important in California and Nevada. Standard policies don't cover earthquake damage — this rider does.
High-value items like jewelry, art, instruments, or firearms often exceed standard coverage limits. A scheduled rider covers them properly.
Sewer and drain backup is one of the most common — and most excluded — home claims. This rider covers the damage when it happens.
Active duty, retired military, and veterans qualify for exclusive homeowners rates. We search every carrier in our network for every discount you've earned — automatically.
PCS-friendly policies that transfer without penalty when you move. Deployment discounts and flexible billing around service schedules.
Verified retirement status unlocks exclusive carrier programs. Your years of service earn you better rates than the general public gets.
Veteran homeowner rates with no service date cutoff. All branches, all eras. Your service never expires and neither do your discounts.
Free quote, 2 minutes, 150+ carriers compared. We do the work — you just pick the best option.