Property & Casualty — Personal
Home & Property Insurance
Your home is your greatest asset. We make sure it stays protected.
Whether you own a single-family home, a condo, or a rental property, your dwelling and everything inside it deserves coverage that reflects its true value. We work with top-rated carriers to tailor a homeowners policy that covers your structure, personal belongings, and liability — without gaps, without guesswork.
What's Covered
- Dwelling coverage for your home's structure and attached structures
- Personal property — furniture, electronics, clothing, and valuables
- Loss of use — hotel and living expenses if your home becomes uninhabitable
- Personal liability if someone is injured on your property
- Medical payments to guests injured on your premises
- Optional endorsements for jewelry, fine art, and scheduled items
- Flood and earthquake coverage (separate policies where required)
Why It Matters
Standard mortgage lenders require homeowners insurance, but the minimum required coverage is rarely enough to rebuild or replace everything you own. We review your policy limits annually to make sure you're covered at replacement cost — not depreciated value — so you never face a shortfall after a loss.
Common Questions
What's the difference between actual cash value and replacement cost?
Actual cash value pays what your belongings are worth today after depreciation. Replacement cost pays what it actually costs to replace them with new items of similar kind and quality — always the better choice.
Does homeowners insurance cover floods?
Standard homeowners policies do not cover flooding from external water sources. A separate flood insurance policy — through the NFIP or a private carrier — is required. We can help you evaluate your flood risk and find the right coverage.
Can I insure a rental property?
Yes. Investment and rental properties require a landlord or dwelling fire policy rather than a standard homeowners policy. We specialize in both.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.