Home Insurance Built Around Your Life

Home insurance covers damage from named perils, fire, windstorms, hail, lightning, theft, and vandalism are the most common. What surprises many homeowners is what isn't automatically included: floods and earthquakes require separate policies, and sewer backups often need a rider. We walk every client through exactly what their policy covers and where the gaps are, before you need to file a claim.

This is the most common coverage gap we find. Most homeowners insure their home for its market value, but rebuild costs can be significantly higher, especially with today's material and labor prices. We use replacement cost calculators during every policy review to make sure your dwelling coverage reflects what it would actually take to rebuild from scratch, not what Zillow says your home is worth.

Almost always, yes. Most carriers offer 10-20% discounts when you bundle home and auto under the same policy. Beyond the savings, it simplifies everything, one agent, one renewal date, one call when something goes wrong. We compare bundled and separate options side by side so you can see the real numbers and decide what makes sense for your situation.

Document everything first, photos, videos, a written inventory of damaged items. Then call us before you call the insurance company. We'll guide you through the process so nothing you say inadvertently limits your claim. Hold off on permanent repairs until an adjuster has assessed the damage, but temporary fixes to prevent further damage are usually allowed and reimbursable.

Yes, in most cases. Personal property coverage typically extends to your belongings even when they're away from home, think a laptop stolen from your car or luggage taken during travel. However, high-value items like jewelry, art, and collectibles usually have sub-limits under a standard policy. We can add a scheduled personal property rider to make sure your most valuable possessions are fully covered.