Homeowners & Renters
About Homeowner's Insurance
Your home is likely the largest investment you will ever make, and the right homeowner's policy helps you protect it. Knowing what a standard policy includes — and where it stops — gives you a confident starting point.
What a standard policy typically covers
Most homeowner's policies bundle protection for the dwelling itself, other structures on the lot (like a detached garage or shed), your personal belongings, and liability if someone is injured on your property. Additional living expenses are usually included if a covered loss forces you out of your home temporarily.
What is usually excluded
Floods, earthquakes, normal wear and tear, and damage from long-term neglect generally are not covered. In Florida, flood coverage is purchased separately, and many homes also need wind/hurricane coverage to be properly protected.
How we help
We walk through your home, your belongings, and your risk tolerance, then compare carriers so you understand the real differences in coverage — not just the price tag.
Have questions about this coverage?
Chaz Toomey is here to walk you through your options — no pressure, just clear guidance.