Homeowners Insurance

Your home is your family’s security and stability. What protects you deserves protection, too. Insure with us to soundly safeguard your home’s structure, your possessions and your liability.


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What is Home insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Whether your home is a house or a condominium, we have an affordable, comprehensive policy to suit your needs. For a quote, please call our office at (804) 675-4300.