Home Insurance
Don't find out what's not covered from a claims adjuster.
We go through your homeowners policy before you need it, not after. The biggest thing you own shouldn't be protected by a document you never read past page two.
What's Covered
Know the number before the storm picks it for you. Here's what's covered:
Dwelling. Rebuilds the structure. Full stop.
Personal property. Replaces what's inside it: furniture, electronics, the stuff that isn't the walls.
Liability. Covers you if someone gets hurt on your property, or you damage someone else's.
Loss of use. Pays for the hotel while your kitchen is gutted for repairs.
Wind and hail deductible. Usually a percentage of your dwelling coverage, not a flat number, and the one line most homeowners have never actually calculated. Learn more →
Replacement cost and actual cash value are not the same number.
One pays what it costs to rebuild today. The other subtracts for age. The difference shows up exactly when you can least afford it.
| Replacement Cost | Actual Cash Value | |
|---|---|---|
| What it pays | The full cost to rebuild or replace today | Replacement cost minus depreciation |
| A 10-year-old roof | Paid at today's replacement cost | Paid at depreciated value, often thousands less |
| Why it matters | Closes the gap between what you lose and what you collect | Leaves you paying the difference out of pocket |
Figures in this table are illustrative, meant to explain the concept, not a quote.
FAQ
Questions, answered.
Are you stuck selling one insurance company's product?
No. We're independent. We shop the market instead of pitching one carrier.
Can you lower my wind and hail deductible specifically?
Yes. That's separate from your standard homeowners deductible. See our Wind & Hail Deductible Buyback page.
Do you handle rental and landlord properties, not just owner-occupied homes?
Yes, alongside standard homeowners and condo coverage.
Know what your home is covered for. Before you need to.
A real comparison across carriers, read line by line.
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