Homeowners Insurance
Coverage to protect your home and personal assets — compared across carriers, sized to rebuild cost, and explained down to the wind-hail deductible that matters in a metro that catches real weather.
Five buckets, one roof
The structure itself — sized to what rebuilding would cost, not what Zillow says.
Detached garage, fence, shed — typically a percentage of dwelling coverage.
Your belongings, at home or off-site. High-value items can be scheduled separately.
If someone is hurt on your property or you cause damage, this is the coverage doing the work.
Hotel and living costs if a covered loss makes the house unlivable.
Read the wind-hail line before the sky turns green
Around here the deductible that matters most isn't the flat one — it's the separate wind-hail deductible, often set as a percentage of your dwelling coverage. On a $350,000 house, 1% versus 2% is a $3,500 difference on the worst day. We quote it explicitly on every comparison, along with replacement-cost math and what your roof's age does to the price.
Numbers above are an illustration of how percentage deductibles work — your quote uses your real dwelling value.
