Home, renters & landlord insurance
We use a detailed replacement cost calculator so your home is insured for what it would truly cost to rebuild. Then we show you the alternatives, not just a single number.
The three building blocks of homeowners insurance
- The structure. Your home and attached improvements, insured to replacement cost.
- Your belongings. Furniture, clothing, electronics, and everything inside.
- Liability. Protection if someone is injured on your property or you damage someone else's.
We run a thorough replacement cost review covering every aspect of your home, customize the policy to match, and compare carriers so you get competitive pricing without being needlessly over insured.
Then we do something most agencies skip: we walk you through the alternatives for insuring your home, rather than handing you one final number. With every option in front of you, you can choose the coverage that fits.
Jewelry, art, and valuables
Standard policies limit what they pay for high-value items. If you own jewelry, fine art, collectibles, or other valuables, we will discuss scheduling them individually so they are fully protected.
Renters insurance
Renters insurance covers your personal belongings inside a rental, plus liability if someone is hurt or you accidentally damage someone else's property. It also helps pay for a place to stay if your apartment becomes unlivable. Bundled with auto, it is often surprisingly affordable.
Landlord insurance
If you rent out a home, condo, or unit, a standard homeowners policy usually is not the right fit. Landlord (dwelling fire) coverage protects the building, replaces lost rental income while repairs are made, and provides liability protection if a tenant or visitor is injured on the property.
Common questions
What type of policy do I need as a homeowner, landlord, or renter?
- Homeowner: pays to repair your home when it is damaged, covers temporary housing if it is uninhabitable, and protects you if you injure others or damage their property, including paying to settle lawsuits and providing a defense.
- Landlord: pays to repair the rental, reimburses lost rent while it is uninhabitable, and protects you if someone is hurt on the property.
- Renter: replaces your personal belongings after a covered loss such as fire or theft, covers temporary housing, and provides liability protection.
What is the difference between Replacement Cost Value (RCV) and Actual Cash Value (ACV)?
Actual Cash Value pays for lost items after subtracting depreciation for age and wear. Replacement Cost Value pays to replace them with similar new items, without deducting depreciation. RCV costs a bit more and pays significantly more after a loss.
I only owe $50,000 on my house. Why is it insured for $300,000?
Home insurance pays to rebuild your house after a covered loss. It is not used to pay off your loan. If your home were destroyed, you would keep paying your mortgage while the insurance company paid to rebuild, so the coverage needs to match rebuilding costs, not your loan balance.
Does homeowners insurance cover flooding?
Standard homeowners policies do not cover flood damage from external water. Flood coverage is purchased separately, and a water backup endorsement can cover sewer and sump pump backups. We can help you evaluate both.
Do I need to schedule my jewelry?
Most policies cap theft coverage for jewelry at a modest amount. If a piece is worth more than that limit, scheduling it individually provides broader protection, often including accidental loss.
Other coverage we place
Find out what better coverage costs.
Tell us what you want to protect. We compare carriers, explain the trade-offs, and come back with clear options.