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Home Insurance

Protect your home and belongings from fire, theft, storms, and other unexpected events.

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Home Insurance coverage illustration

Key Benefits

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Dwelling coverage to rebuild or repair your home

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Personal property protection for belongings

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Liability protection if someone is injured on your property

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Additional living expenses if your home is uninhabitable

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Optional coverage for floods, earthquakes, and valuables

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Bundling discounts with motor or life policies

What's Covered

  • ✓Dwelling and other structures (garage, fence, shed)
  • ✓Personal property including furniture and electronics
  • ✓Personal liability and medical payments to others
  • ✓Loss of use / additional living expenses
  • ✓Optional scheduled coverage for jewelry, art, and valuables

Who Needs Home Insurance?

Homeowners with or without a mortgage

Condo owners (with an HO-6 policy)

Landlords renting out property

Anyone wanting to protect high-value belongings

Home Insurance FAQs

Home insurance isn't legally required, but mortgage lenders almost always require it as a condition of your loan.
Standard policies typically exclude flood damage. Flood coverage is usually a separate policy, which we can help arrange if you're in a flood-prone area.
Replacement cost pays to rebuild or replace items at today's prices, while actual cash value factors in depreciation. Replacement cost coverage typically costs more but pays out more.
Yes — installing security systems, bundling policies, raising your deductible, and maintaining a claims-free history can all help lower your premium.

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