Back to Personal Policies
Big Storms to Small Surprises, We’ve Got You covered
Every home comes with risks, but the right coverage means you won’t face them alone. Our team of advisors will find the policies that reflect your life and priorities.
Comprehensive Protection for Every Corner of Your Home
A homeowners policy combines the essential coverages you need—protecting your house, your belongings, and your liability—so your family can live confidently, risk less, and focus on what matters most.
Dwelling Coverage
Protects your home’s structure—inside and out—from fire, storms, and unexpected damage, so you can focus on living confidently every day.
Personal Property
Safeguards the things that make your house a home—furniture, clothing, electronics, and more—whether loss comes from theft, fire, or other risks.
Liability Protection
Covers you if someone is injured on your property, offering financial protection and peace of mind when the unexpected happens at home.
Additional Living Expenses
If damage forces you out, this coverage helps pay for temporary housing and meals until your home is ready again.
Mandatory Coverages
The core protections every homeowner needs to stay secure and financially protected when the unexpected happens.
Protects the structure of your home—including walls, roof, and built-in features—from risks like fire, storms, or vandalism, so repairs don’t drain your savings.
Covers your belongings—furniture, electronics, clothing, and more—if damaged, destroyed, or stolen, giving you peace of mind that your essentials are always protected.
Shields you financially if someone is injured on your property or you’re held responsible for damages, covering legal fees, settlements, and medical costs.
Optional Coverages
Flexible protections you can add to match your lifestyle and specific needs.
Standard homeowners policies don’t cover flood damage. Adding flood insurance helps protect your home and belongings from costly water-related losses.
Covers expenses tied to restoring your identity and credit if stolen, offering peace of mind in today’s digital world.
Provides extra protection for jewelry, art, or collectibles that exceed standard policy limits, ensuring your most treasured possessions are fully insured.
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
Review your dwelling coverage annually and confirm it matches 100% of your home's current replacement cost—goals often rise faster than policy limits.
Yes—standard coverage handles damage from accidental freezing. You may lower risk by installing water shut-off systems or maintaining proper insulation.
Liability protection typically covers injuries from your dog—but failure to disclose breeds or incidents could invalidate this coverage.
Conventional homeowners policies usually exclude short-term rentals. Ask us about endorsements or landlord-specific options to ensure proper protection.
Yes. Installing devices such as automatic water shut-offs or smart home systems can prevent damage and potentially earn you insurance discounts.
Review your policy at least once a year—or after renovations, big purchases, or life changes—to make sure all new risks are addressed, and coverage stays current.
Homeowner Pro Tips
Explore our expert advice on a range of important homeowners insurance topics.
Claims and How to Improve Your Business
We want to share information on how to improve your business and further protect it from both harm as well as explore processes to improve profitability and efficiencies.
What affects the cost of my rental property insurance?
Landlords have many expenses to consider when looking to see if the rent will cover them and provide you with a profit. One of those cost to consider is insurance.
Managing your Restaurant Remotely
With the right technology, it is possible to run a restaurant remotely while keeping operations running smoothly.
“I’ve always been very well taken care of by Andrew and the team at Advisors Insurance Agency!”
