Homeowners, condo, renters & flood.
Whether you own, rent, or live somewhere in between, we shop the market for coverage that protects your home, your belongings, and your liability.
Personal property coverage
Package coverage for your property and your liability — for single-family homes and HO-6 condo units.
- Rebuild or repair after disaster
- Liability for guest injuries
- Theft & vandalism reimbursement
- Replacement cost vs. ACV options
- Scheduled valuables
- Condo HO-6 interior coverage
- Personal property
- Loss of use / living expenses
Homeowners insurance FAQ
What's the difference between replacement cost and actual cash value?
Replacement cost pays to rebuild or replace at today's prices. Actual cash value subtracts depreciation. We almost always recommend replacement cost for both dwelling and personal property.
Does my homeowners cover flood damage?
No — flood is excluded from every standard homeowners policy. You'll need a separate NFIP or private flood policy, and most have a 30-day waiting period before they take effect.
Do I need scheduled coverage for jewelry?
Standard policies cap jewelry coverage low (often $1,500–$2,500 for theft). If you own valuable pieces, scheduling them ensures full coverage with no deductible and worldwide protection.
How much umbrella should I carry?
A good starting point is enough to cover your net worth plus a buffer. $1M is common; $2M–$5M makes sense for higher-asset households or those with teen drivers, pools, or rental property.
Protect your home and everything in it.
We'll shop the market for coverage that fits the way you actually live.