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Your home is your American dream; be sure it has the coverage it needs.

A well-considered homeowners insurance policy is absolutely necessary in order to properly protect your house, personal belongings, and to cover other liabilities including the cost of attorneys in the event that you’re sued for property damage or bodily injury to another person. 

For many people, a home is the most important investment they’ll make in their lifetime. It holds the memories of their life. Insurance for homeowners who want true peace-of-mind won’t come from common policies generated by basic home insurance quotes. In order for the home insurance policy to protect your American Dream, that policy needs to be designed to fit your needs. 

Not all homes are alike, and the same goes for homeowners. The size of the home, what it is constructed of, where it is located and many other differences need to be considered in buying a home owner insurance policy. 

Building insurance policies to suit the client is our specialty. At, licensed agents will ask the right questions to assure that we build a policy that’s affordable and appropriate for your needs. When you receive a quote for home insurance, there are no cookie-cutter options—every relevant factor is taken into account to create a personalized policy. 

What does a homeowner insurance policy cover?

A policy of this kind isn’t just “house insurance”. Rather, it should be considered “home and contents insurance”. The policy is for more than just four walls and a roof. Often times, we don’t realize the full value of the contents inside our homes. That’s why good homeowners insurance goes beyond the physical structure to protect what we treasure most on the inside. 

In addition to your home and the structures attached to that home, home insurance companies cover: 

  • Personal possessions 
  • Other structures located on your premises. (e.g. Garage, Storage Shed) 
  • Legal costs in the event of a lawsuit 

When homeowners think of a claim, they often think fire. While possible, the odds that a fire will burn your house to the ground are very unlikely. Most losses that occur on a homeowner’s policy are small losses that are not catastrophic. Many policyholders do not read their insurance coverage terms carefully, and each homeowner’s policy is different. For this reason, it’s important that a home insurance quote is tailored not just for low-cost, but also custom-made to provide coverage for the lifestyle and specific needs of the client. 

Under your homeowner’s policy, your high-performance PC and other tech equipment used for business on the premises are covered to a limit of $5000. Manufacturers and Retail vendors often offer insurance for tech items like tablet computers, mp3 players and cell phones, but under these policies it’s best to first find out what’s covered and what isn’t. It’s possible that a standard homeowner policy through your insurer will provide greater coverage at a lower cost. 

If you get sued, the homeowner’s policy will defend you free of charge. When you see all the lawyers on television today, it is nice to know you have insurance to cover your defense in the case of an accident. For instance, let’s say you’re golfing, and you have a stray drive of a golf ball that meets someone (or their car windshield) in the worst kind of coincidence. If that person ends up suing you, your homeowner’s policy will defend you and pay for the injuries to that person and their property. 

The only good policy is the one that’s there when you need it. That’s why aren’t the typical home insurance advisers: we read and know the policies we sell. We design them for the homeowners we insure. Don’t wait until you have to make a claim to find out how good your policy is. By then it may be too late. Talk to one of our licensed agents and get the coverage you need before the unthinkable happens.

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