What’s Covered
Coverage that
actually works.
Not the bare minimum. Not the most expensive. The right coverage — explained clearly, built around your home.
Dwelling
Personal Property
Liability
Loss of Use
Flood Optional
Earthquake Optional
Umbrella Optional
Medical Payments
Don’t Leave Gaps
Most claims come from
what wasn’t covered.
Excluded from standard policies
Flood Insurance
If it rains, it can flood. Flood coverage is separate — and often overlooked until it’s too late.
Excluded from standard policies
Earthquake Insurance
One event can total your home. Standalone earthquake coverage is available and strongly recommended in high-risk areas.
Extends your liability
Umbrella Insurance
When liability limits run out, an umbrella policy covers the gap. One of the highest-value coverages available.
FAQ
Straight answers.
No jargon.
Still have questions? We’re a real team of licensed agents — not a chatbot.
What does homeowners insurance actually cover? +
Your dwelling, personal belongings, liability if someone is injured on your property, and additional living expenses if you’re displaced. Floods and earthquakes require separate policies.
How much coverage do I actually need? +
Enough to fully rebuild your home at today’s construction costs — not your market value or tax assessment. We run a replacement cost estimate so you’re never underinsured.
Why isn’t flood or earthquake covered? +
Standard homeowners policies exclude both. They’re available as separate policies and are especially important in high-risk areas. We’ll help you decide if you need them.
What’s replacement cost vs. actual cash value? +
Replacement cost pays to rebuild at today’s prices. Actual cash value deducts depreciation — meaning you could receive far less than replacement cost. We always recommend replacement cost.
Can I save by bundling home and auto? +
Yes — bundling typically saves 10–25% on both policies. One agent, one renewal date, and one less thing to think about.
What is umbrella insurance? +
Extra liability coverage that kicks in when your home or auto policy limits are exceeded. If you own a home, have savings, or have kids — it’s worth a conversation.
File a Claim
Need help right now?
Call your carrier directly, or reach us at 800-452-6826 and we’ll guide you through it.
Client Reviews
Don’t take our word for it.
From the Blog
Things worth knowing.
May 4, 2026
Umbrella Insurance Explained for High Net Worth Families
If you’ve built something worth protecting, umbrella insurance is worth understanding.
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Apr 13, 2026
Why Insurance Companies Are Dropping Home Policies (And What To Do)
Non-renewals are up. Here’s what’s really happening — and how to stay covered.
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Apr 20, 2026
What Business Insurance Do You Actually Need?
Most owners don’t want more insurance. They want the right insurance.
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