Your Home Is Your Biggest Investment. Make Sure Your Policy Reflects That.
A lot of homeowners find out too late that their coverage would only pay a fraction of what it costs to rebuild. We'll walk through your policy with you so you know exactly where you stand.
Get a Free Home QuoteThe Most Common Home Insurance Mistake.
Most people pick a coverage amount when they first buy their home and never revisit it. Construction costs go up. The home gets renovated. The policy stays the same.
If your home is destroyed and your coverage only replaces 60% of what it costs to rebuild, you pay the rest out of pocket. That gap is the most common home insurance problem we see, and it's entirely preventable.
We'll review your current coverage, look at your home's actual replacement cost, and tell you honestly whether you have enough.
What underinsurance looks like
This scenario is more common than most homeowners realize. Construction costs have risen significantly — policies purchased even a few years ago may no longer reflect actual rebuild costs.
What Your Home Insurance Covers
A standard policy covers four main areas. The details within each one are where policies differ and where gaps show up.
Dwelling Coverage
Covers the cost to repair or rebuild your home's structure after a covered event — fire, wind, hail, and others. The amount needs to reflect current construction costs, not what you paid for the house.
Personal Property
Your furniture, electronics, appliances, clothing — everything inside. High-value items like jewelry, art, or collectibles often need separate scheduled coverage to be fully protected.
Liability
If a guest is injured in your home and sues, liability coverage pays for legal costs and damages. This is also where umbrella coverage connects — for claims that exceed your home policy's limit.
Additional Living Expenses
If your home is uninhabitable after a covered loss, this covers temporary housing and meals while repairs are made. Often overlooked. Always needed.
Coverage Worth Adding
Depending on your home and how you use it, these add-ons may close gaps your standard policy doesn't address.
Service Line Coverage
Protects against loss or damage to exterior underground service lines — water, sewer, power. Repair costs can run into the thousands. This covers them.
Savings Worth Asking About
Disappearing Deductible
Your deductible drops $50 for every claim-free policy year, up to $500.
Claim-Free Rewards
Earn cash back for each year you remain claim-free.
Small-Claim Forgiveness
A small claim won't raise your premium.
Multiple-Product Discount
Bundle home with auto or life and save on both.
Smoke-Free Discount
Everyone in the household a non-smoker? There's a discount for that.
Additional savings
AAA membership, age 55+, retired status, paperless billing, advance payments, and new home purchase all carry discounts.
Not Sure If Your Coverage Would Actually Rebuild Your Home?
Most people aren't. A quick review can tell you whether your policy reflects what your home is worth today — and what it would cost to close any gaps.
Same-day response in most cases. Walk-ins welcome.