Protect Your Home, Your Family, and Your Future
Your home is your biggest investment. David compares comprehensive homeowners policies across 30+ carriers to find the right balance of coverage and cost for your unique situation.
What Home Insurance Covers
Dwelling Coverage
Protects the physical structure of your home including walls, roof, foundation, and attached structures like a garage or deck. If a covered peril like fire, wind, or hail damages your home, dwelling coverage pays to repair or rebuild it.
Personal Property
Covers your belongings inside your home including furniture, electronics, clothing, and appliances. If your possessions are stolen, damaged, or destroyed by a covered event, this coverage helps you replace them.
Liability Protection
Covers you if someone is injured on your property or if you accidentally damage someone else's property. This includes legal defense costs and medical payments, protecting your savings and assets from lawsuits.
Loss of Use
Pays for temporary housing, meals, and other living expenses if your home becomes uninhabitable due to a covered loss. Whether you need a hotel for a week or a rental for six months, loss of use coverage keeps your family comfortable.
What's Typically NOT Covered
Standard homeowners policies have gaps. David makes sure you know about them and adds the right endorsements.
Flood Damage
Standard policies exclude flood. If you're in a flood-prone area, David adds a separate flood policy or endorsement.
Earthquake
Seismic damage requires a separate policy or endorsement, which we can quote through specialty carriers.
Sewer Backup
Water damage from sewer or drain backup is usually excluded. A simple endorsement adds it back for a few dollars per month.
Coverage for Every Stage of Homeownership
First-Time Buyer
You need enough dwelling coverage to rebuild, personal property protection for your new furniture and belongings, and liability coverage in case a guest is injured. David walks first-time buyers through every line item so nothing gets missed.
Growing Family Needs More Coverage
Kids mean more stuff, more liability exposure, and often a bigger home. David reviews your coverage annually to make sure your limits keep up with your growing family, including umbrella coverage for extra protection.
Empty Nesters Downsizing
Moving to a smaller home? Your premiums should go down, but your coverage needs change too. David re-evaluates your dwelling limit, adjusts personal property coverage, and looks for senior discounts across 30+ carriers.
Frequently Asked Questions
Your dwelling coverage should be enough to rebuild your home from the ground up, not your home's market value or purchase price. David calculates your replacement cost and recommends limits that fully protect your investment.
Standard policies provide limited coverage for business equipment. If you work from home, David can add a home business endorsement or recommend a separate inland marine policy to fully cover your equipment.
Replacement cost pays to replace damaged items with new ones. Actual cash value deducts depreciation, meaning you get less. David always recommends replacement cost coverage. The difference in premium is usually minimal.
Bundling with auto, raising your deductible, installing security systems, and maintaining a claims-free history all help. David shops 30+ carriers at every renewal to find you the best rate automatically.
If you're in a FEMA-designated flood zone, your mortgage lender will require it. But even if you're not, flooding can happen anywhere. David can quote flood coverage through the NFIP or private carriers to give you options.
Stop Overpaying for Insurance You Might Not Even Have Right
Let David review your current policies, find gaps in your coverage, and show you where you could be saving money. It takes 15 minutes and costs nothing.
No cost. No obligation.
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