Home insurance

Insure the Place You Wake Up In

A home policy decides what gets repaired or replaced after a fire, storm or break-in. I go over it with you one part at a time, so your limits fit your own place.

Explore Coverage
  • Dwelling
  • Roof damage
  • Burst pipes
  • Theft
  • Guest injuries
  • Detached garage
  • Fallen trees
  • Kitchen fires
  • Temporary housing
  • Hail and wind
  • Personal belongings
  • Deductibles
Hands forming a roof over a small model house
Family sitting on the lawn in front of their house

Beyond the walls

The Building Is Only Part of What Gets Insured

A home policy looks past the building. The detached garage, the back fence, the sofa and even a guest who slips on your steps can each land under a different part of it, and every part carries its own dollar limit. Once I show you which part answers which problem, the figures on your declarations page become much easier to judge.

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Policy parts

Every Part of the Policy Does Its Own Work

Dwelling Rebuild

Pays to repair or rebuild the house itself after fire, hail or strong wind.

Personal Belongings

Covers all your furniture, clothes, tools and gear up to the limit you set.

Guest Liability

Helps with medical and legal bills if a visitor is injured at your address.

Living Expenses

Pays for a rental and restaurant dining while repairs keep you out of home.

Storms and leaks

Weather and Water Are Not Treated Alike

Wind and hail are usually handled one way and a burst pipe another, while flood is often left out. I help you see which water problems your policy names.

  • Sudden pipe bursts versus slow leaks
  • A photo inventory kept with your records
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Model house sheltered under an umbrella

Claims, retold

Homeowners Who Checked Their Cover

“My home insurance still showed a rebuild cost from long ago. A few emails later my dwelling limit was in line with what builders charge now.”

Coretta B.

Ranch house owner

“A pipe burst behind the washer in January. I already knew which water damage my home policy names, so the claim moved along without a fight.”

Anselm R.

Townhouse owner

“I never knew my home insurance gave the detached garage its own limit. That got corrected before hail season and paid off when a storm came.”

Thaddeus W.

Bungalow owner

“After my kitchen fire, moving out worried me most. My homeowners policy paid for a rental and meals, exactly as it had been explained to me.”

Odalys M.

Two story home owner

Often missed

What Homeowners Forget to Ask

Not unless you add ordinance or law cover, which pays the extra cost of meeting newer codes.

Only up to a set theft cap, so I suggest listing rings, watches or heirlooms worth more one by one.

No, most home policies leave it out unless you add backup cover, which I suggest for finished basements.

A newer roof is often replaced in full, while an older one may only be paid at its worn-down value.

Only up to a low limit, so I go over extra cover with anyone who works from a spare room.

Remodeled lately?

Your House Changed. Has Your Policy Kept Up?

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