Single-Family Homeowner's Insurance

A homeowner's insurance policy protects much more than your house. It protects your family, and even your financial future. So you want to be sure you have coverage that's right for you.

What's covered?

For most people, a plan known as Homeowners Special Form—or HO-3—is the right choice. In plain English, that's simply a policy that covers damage to your home and personal property. It also includes liability coverage in the event a guest is injured in your home, you injure another person, or you damage someone else's property.

A typical HO-3 policy covers things like:

  • Fire and lightning
  • Windstorm and hail
  • Explosion
  • Riot and civil commotion
  • Damage to your home caused by a vehicle
  • Smoke damage
  • Vandalism and malicious mischief
  • Theft
  • Accidental breakage of windows
  • Theft
  • Falling objects
  • Weight of ice, snow, sleet

What's not covered?

Certain things are typically not covered by an HO-3 policy. This usually includes damage caused by flood, sewer back-ups, tidal waves, earthquakes, landslides and war.

Depending on your own situation, you may want to add other types of coverage, such as:

What's next?

We work with top-rated insurance companies to create a policy that meets your needs and budget. So you can feel confident you've got the best protection for your home, your family, and your future.

Request a no-obligation Homeowners Insurance quote now.

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