/ COMPLETE PROTECTION

Building Your Home's Safety Net

Every home deserves comprehensive protection. From the foundation to the roof and everything inside, we offer coverage solutions designed to keep you secure no matter what happens.

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WHAT WE COVER

Four Pillars of Protection

Dwelling Protection

Covers your home structure from fire, storms, and other disasters

Personal Property

Protects belongings inside your home from theft or damage

Liability Shield

Covers legal costs if someone is injured on your property

Living Expenses

Pays for temporary housing when home repairs are needed

Dwelling Protection
SERVICE 01

Dwelling Protection

Your home is the biggest investment you will ever make. Dwelling protection covers the physical structure of your house including walls, roof, floors, and attached structures like garages or porches.

We calculate coverage based on the cost to rebuild your home using current construction prices. This means if disaster strikes, you will have enough funds to restore your home to its original condition without out-of-pocket expenses.

Fire and Smoke Damage
Complete coverage for fire damage including smoke and soot cleanup
Storm Protection
Coverage for wind, hail, lightning, and weather-related structural damage
Vandalism and Theft
Protection against intentional damage or break-ins affecting structure
SERVICE 02

Personal Property Coverage

Everything inside your home has value. From furniture and electronics to clothing and kitchenware, personal property coverage protects all your belongings from covered losses.

This coverage extends beyond your home too. Items stolen from your car or damaged while traveling are often covered. We help you create a detailed inventory so you know exactly what is protected.

Furniture and Appliances
Full replacement for sofas, beds, refrigerators, washers, and all household items
Electronics and Devices
Coverage for computers, televisions, phones, and entertainment systems
$50K+
Average Coverage
100%
Replacement Cost

Why This Matters

  • Replacing all belongings after a total loss can cost over fifty thousand dollars
  • Many items increase in value over time and need adequate coverage
  • Valuable items like jewelry or art need special riders for full protection
  • Without coverage, you pay out of pocket to replace everything
Liability Shield
$1M
Max Coverage
SERVICE 03

Liability Shield

Accidents happen when you least expect them. If a visitor slips on your stairs or your dog bites someone, you could face serious legal and medical bills. Liability coverage protects you from these financial risks.

This protection extends beyond injuries. If you accidentally damage someone else's property or cause harm away from home, liability coverage can help pay for legal defense, settlements, and judgments.

01
Medical Payments
Covers medical bills for guests injured on your property regardless of fault
02
Legal Defense
Pays for attorney fees and court costs if you are sued for covered incidents
03
Property Damage
Covers costs if you accidentally damage someone else's belongings
SERVICE 04

Living Expenses Coverage

When your home becomes unlivable due to a covered event, where do you go? Living expenses coverage pays for temporary housing, meals, and other costs while your home is being repaired or rebuilt.

This coverage is designed to maintain your normal standard of living during displacement. If you normally spend two hundred dollars per week on groceries but restaurant meals cost more, we cover that difference.

Temporary Housing
Hotel or rental home costs for extended stays during repairs
Meal Expenses
Additional food costs when you cannot use your kitchen
Transportation Costs
Extra commuting expenses from temporary location
Living Expenses Coverage
WHY US

What Sets Us Apart

Fast Claims

Most claims processed within forty-eight hours with direct deposit payments

No Hidden Fees

Clear pricing with no surprise charges or complicated terms to decode

24/7 Support

Real people available around the clock to answer questions and help with claims

Flexible Plans

Customize coverage to fit your budget and needs without paying for extras

A+ Rating

Top financial strength rating ensures we can pay claims when you need us

Digital Access

Manage policies, file claims, and track repairs from your phone anytime

COMMON QUESTIONS

What You Need to Know

How much dwelling coverage do I need?
The amount should equal the cost to rebuild your home from the ground up using current construction prices. This is usually different from your home's market value. We help calculate this based on square footage, materials, and local building costs.
Does personal property coverage include items outside my home?
Yes. Most policies cover belongings anywhere in the world. If your laptop is stolen from your car or luggage is lost during travel, you are typically covered up to your policy limits.
What liability limits should I choose?
Most experts recommend at least three hundred thousand dollars in liability coverage. If you have significant assets or frequently host guests, consider higher limits like five hundred thousand or one million dollars for extra protection.
How long does living expenses coverage last?
Coverage continues until your home is repaired and livable again or until you reach your policy's dollar limit. Most policies provide twelve to twenty-four months of coverage, which is usually enough time for major repairs or rebuilding.
Can I add coverage for expensive items like jewelry?
Absolutely. Standard policies have limits on certain categories like jewelry, art, or collectibles. You can add special endorsements or riders to fully cover high-value items with their own separate limits.

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