homeowners insurance

Overview

Homeowners insurance is more than just a policy—it’s a warm blanket of protection wrapped around the place you call home. Whether it’s your first house, your forever home, or a place where generations gather, homeowners insurance offers peace of mind by safeguarding your home, belongings, and personal liability from life’s unexpected turns.

From severe storms to small kitchen fires, burst pipes to burglaries, things can happen that are out of your control. That’s where homeowners insurance steps in—helping you recover financially, rebuild confidently, and restore the comfort and security that your home represents.

Homeowners insurance is about more than fixing what’s broken—it’s about restoring your sense of safety, protecting the life you’ve built, and making sure your house can always be your home. Whether it’s the comfort of your kitchen, the memories in your living room, or the treasures tucked in your attic, homeowners insurance stands quietly in the background, ready to step in when you need it most.

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what homeowners' insurance typicallly covers

Dwelling Coverage

This is the core of your policy. It helps pay to repair or rebuild your home if it’s damaged by a covered event like fire, wind, hail, lightning, or vandalism. Whether it's your roof, walls, or foundation, this coverage protects the structure itself.

Other Structures Coverage

Extends protection to structures not attached to your home, such as fences, sheds, detached garages, and gazebos. If a storm knocks down your fence or damages your garden shed, this part of your policy has you covered.

Personal Property Coverage

Covers your belongings—furniture, electronics, clothing, kitchenware, and more—if they’re stolen or damaged by a covered event. It even applies to items outside your home, like a stolen laptop from your car or lost luggage on vacation.

Loss of Use / Additional Living Expenses

If your home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary living expenses, such as hotel stays, meals, and other costs while your home is being repaired or rebuilt.

Personal Liability Coverage

Protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. It covers legal fees, settlements, and medical bills if you’re found responsible.

Medical Payments to Others

Offers a smaller amount of no-fault coverage for medical expenses if a guest is injured in your home, such as a slip on a wet floor or a minor dog bite. It helps avoid costly legal disputes over simple accidents.

Renters insurance

Overview

Renters insurance is a simple, affordable way to protect the things that make your rental feel like home—your furniture, clothes, electronics, and personal treasures. Whether you rent an apartment, condo, or house, renters insurance is there to support you when life takes an unexpected turn, helping you bounce back with ease and confidence.

Many renters assume their landlord’s insurance covers their personal belongings—but it doesn’t. While your landlord’s policy protects the building itself, it’s up to you to insure what’s inside your walls. That’s where renters insurance comes in—offering a safety net for your possessions and peace of mind for you.

Renters insurance is typically very affordable—often less than the cost of a daily cup of coffee—yet it provides invaluable protection when you need it most. It’s about more than just covering your stuff; it’s about knowing you’re not alone when the unexpected happens. Whether you’re starting fresh in your first apartment or settling into a long-term rental, renters insurance helps turn your living space into a worry-free sanctuary

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what renters insurance typically covers

Personal Property Coverage

This protects your belongings against risks like fire, theft, vandalism, smoke damage, and certain types of water damage. Whether your laptop is stolen, your furniture is damaged in a fire, or your clothes are ruined by a burst pipe, this coverage helps pay for repairs or replacement.

Loss of Use / Additional Living Expenses

If your rental becomes unlivable due to a covered event—like a fire or major plumbing issue—this coverage helps pay for temporary housing, meals, and other extra costs while you’re displaced.

Personal Liability Coverage

Offers protection if someone is injured in your rental and you’re held responsible. It covers legal costs, medical expenses, and damages if, for example, a guest slips and falls or you accidentally damage someone else’s property.

Medical Payments to Others

Provides a limited amount of no-fault coverage for minor injuries that happen to guests in your rental. It can help with medical bills without needing to establish fault or go through legal proceedings.

Mobile (manufactured) Home insurance

Overview

Manufactured home insurance is a specialized policy designed to protect not just your home, but the life and memories you’ve built inside it. Whether your manufactured or mobile home sits on private land, in a park, or within a community, this coverage is thoughtfully tailored to meet the unique needs of your home’s structure and your lifestyle.

Manufactured homes—also known as mobile homes—are constructed differently from traditional site-built houses, and they face unique risks, especially when it comes to wind, fire, and transportation. Manufactured home insurance provides peace of mind by helping you recover financially from accidents, natural disasters, theft, or liability issues—so you can enjoy your space with confidence.

Manufactured home insurance isn’t just about protecting your property—it’s about protecting the sense of stability and comfort that your home provides. Whether it’s your full-time residence or a seasonal retreat, this insurance lets you rest easy, knowing that the things that matter most—your shelter, your belongings, your peace of mind—are in good hands.

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what's typically covered

Dwelling Coverage

This protects the structure of your manufactured home from damage caused by events like fire, windstorms, hail, lightning, and vandalism. If your home needs repairs—or even a complete rebuild—this coverage steps in to help with the costs. Some policies also cover attached structures like decks, porches, or carports.

Personal Property Coverage

Covers your belongings inside the home—furniture, appliances, electronics, clothing, décor, and more—if they’re damaged or destroyed due to a covered peril. Whether it’s a fire or a break-in, this ensures you’re not left starting over from scratch.

Other Structures Coverage

Extends protection to other buildings on your property, such as sheds, detached garages, or fences, if they’re damaged by a covered event.

Liability Coverage

Offers protection if someone is injured on your property or if you accidentally cause damage to someone else’s property. It helps cover medical expenses, legal costs, and settlements—so one accident doesn’t lead to financial hardship.

Medical Payments to Others

Provides a limited amount of coverage for guests who are accidentally injured on your property, regardless of fault, helping with minor medical bills and avoiding potential lawsuits.

Loss of Use / Additional Living Expenses

If your manufactured home becomes unlivable due to a covered loss, this coverage helps pay for temporary housing, food, and other living costs while your home is being repaired or rebuilt.

homeowners insurance

Overview

what homeowners' insurance typicallly covers

Dwelling Coverage

Other Structures Coverage

Personal Property Coverage

Loss of Use / Additional Living Expenses

Personal Liability Coverage

Medical Payments to Others

Renters insurance

Overview

what renters insurance typically covers

Personal Property Coverage

Loss of Use / Additional Living Expenses

Personal Liability Coverage

Medical Payments to Others

Mobile (manufactured) Home insurance

Overview

what's typically covered

Dwelling Coverage

Personal Property Coverage

Other Structures Coverage

Liability Coverage

Medical Payments to Others

Loss of Use / Additional Living Expenses

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