Independent Homeowners Insurance Brokerage
Home Insurance: Compare Quotes Nationwide
Homeowners insurance covers your house, personal belongings, and personal liability if someone is injured on your property. Mortgage lenders require it; even paid-off homeowners need it for fire, theft, and liability protection.
Get a Homeowners Insurance QuoteWhat Home Insurance Covers
- dwelling (Coverage A)
- other structures (B)
- personal property (C)
- loss of use (D)
- personal liability (E)
- medical payments (F)
- optional: water backup, service line, scheduled jewelry, equipment breakdown
Home Insurance FAQ
Replacement cost vs actual cash value — which should I choose?
Replacement cost. ACV pays you what your stuff is worth today (depreciated), which is rarely enough to actually replace it. Replacement cost pays the full cost to buy new — almost always worth the small premium difference.
Is flood damage covered by my homeowners policy?
No. Flood is excluded from every standard homeowners policy in every state. You need a separate NFIP or private flood policy. We can quote both — call us to find out if your address is in a flood zone.
Get a Homeowners Insurance Quote
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9 AM – 5 PM EST.