Homeowners

 Protect your home from unexpected events like fire, theft, or severe weather. Our policies help safeguard your property, personal belongings, and liability exposure. With customizable coverage options, you can tailor protection to fit your unique needs and budget. Tiny Homes, High Value Homes, and Coastal Homes coverage available.

 Renters insurance, much like homeowners insurance, helps protect your personal belongings and the space you call home. In addition to coverage for your possessions, most policies also include personal liability protection, additional living expenses if you’re displaced by a covered loss, and medical coverage for guests injured in your residence. 

 Condo insurance helps protect your unit and personal belongings from covered losses such as fire, theft, or vandalism. While your association’s master policy typically covers the building’s exterior and common areas, a condo policy fills the gaps by covering your interior improvements, personal property, and liability. You don’t have to own a house to protect what matters most—your condo is your home, and it deserves the same level of protection. 

 Owning a rental property can be a smart investment and a rewarding experience. Making sure you have the right coverage in place helps protect that investment and allows you to focus on maintaining your property and supporting your tenants. A landlord insurance policy can provide protection from sudden and accidental losses and the expenses that follow, including potential loss of rental income and the cost to repair or rebuild after covered damage from events like fire, storms, or other disasters. In short, you gain added peace of mind knowing your property—and the place your tenants call home—is protected. 

 Repairing or replacing damage to your mobile or manufactured home after a covered loss can be costly and stressful. Mobile home insurance helps protect your home from certain risks or perils and can also provide liability coverage if you’re responsible for property damage or bodily injury to others. With the right policy in place, you can have peace of mind knowing you’re protected from unexpected expenses after a covered event. 

A separate policy you can purchase in addition to your homeowners, renters, or condo insurance. It’s designed to protect your property from flooding caused by rain, overflowing rivers, or other water that enters your home from the outside—events that standard home insurance policies typically do not cover. Flood insurance can help pay for repairs or replacement of your home and belongings after a flood, giving you financial protection against this type of natural disaster. 

A home warranty helps cover the cost to repair or replace major home systems and appliances that break down from normal wear and tear. Unlike homeowners insurance, which protects against unexpected events like fire, storms, or theft, a home warranty focuses on everyday mechanical failures. 

Provides specialized protection for valuable items such as engagement rings, watches, necklaces, and other treasured pieces. While homeowners or renters insurance may offer limited coverage for jewelry, a dedicated policy or scheduled endorsement can provide broader protection and higher limits. 

Lowers the out-of-pocket amount you would pay if your home is damaged by wind or hail. Many property policies—especially in storm-prone areas—carry a higher percentage-based deductible for wind and hail losses. A buyback option allows you to “buy down” that deductible to a lower amount, often a flat dollar deductible similar to your standard all-peril deductible.