Homeowners Insurance That Protects Your Investment

Your Home Is Your Biggest Investment — Protect It

For most people, a home is the largest purchase they’ll ever make. Homeowners insurance protects that investment against fire, theft, weather damage, and liability claims that could otherwise drain your savings.

As an independent broker, we shop 30+ top-rated carriers to find the right homeowners policy for your property, budget, and coverage needs. Whether you own a single-family home, condo, or rental property, we compare options so you get the best protection at the best price.

What Homeowners Insurance Covers

Types of Homeowners Policies

Not all homeowners policies are the same. Different types of coverage exist for different types of properties:

• HO-3 (Most Common): Covers your home and other structures against all perils except those specifically excluded. Personal property is covered for named perils only.
• HO-5 (Premium): Provides open-peril coverage for both the structure and your personal property. This is the broadest protection available.
• HO-6 (Condo): Designed for condominium owners. Covers interior walls, personal property, and liability. The condo association covers the building exterior.
• HO-7 (Mobile Home): Built for manufactured and mobile homes with coverage tailored to their unique construction and risks.

We’ll help you determine which policy type fits your situation and recommend the right level of coverage for each category.

Frequently Asked Questions