Homeowners Insurance

Protecting your home and everything in it.

When your house is damaged or destroyed due to fire, wind, hail, water damage, theft, vandalism, or an unexpected event, a homeowners insurance policy helps protect your assets. Additionally, it covers you if someone is injured while on your property and wins a legal judgment against you.


A home is more than just a building with walls, windows, and a roof. Ultimately, it is the heart of what matters most in life. Whether living in an apartment, condominium, or house, your home is where you raise a family, welcome friends, and develop lifelong memories. Therefore, protect your most valuable investment with affordable and customized home insurance.

Whether you are a new homeowner buying insurance or shopping for an existing policy, we will help identify the product(s) that fit your unique needs and budget. And you may even qualify for discounts when purchasing multiple lines or bundling coverage with a flood, auto, or business policy. Contact us to learn more about coverage options.

Dwelling Coverage

If your house is damaged or destroyed by fire, lightning, windstorms, hail, vandalism, or theft, dwelling coverage covers the cost to repair or rebuild your home’s physical structure in the event of a covered loss. Usually, this includes the foundation, frame, walls, roof, cabinets, appliances, water heater, or attached garage.

Unattached structures, such as a separate guest house, are not typically included under dwelling coverage but may be covered by other parts of your home insurance policy.

Other Structures Coverage

Other structures coverage helps pay to repair or replace structures damaged by a covered peril, such as a fence, shed, or a stand-alone garage. Generally, this is 10 percent of the dwelling coverage.


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