HOMEOWNERS INSURANCE

Have peace of mind knowing your home is covered at an affordable price

Protecting Your Home Sweet Home

Your house is the place you call home and one of your most valuable investments. That’s why it's important to have the best home insurance coverage without overpaying for it. We can help with that. By comparing rates from our premium Homeowners Insurance partners, we can find you the best combination of price and coverage.

Basic Coverages

A standard Homeowners Insurance policy typically covers the physical structure of your home, permanent structures on your property, your personal property and loss of use. In addition to the costs that result from a covered loss, a standard Homeowners Insurance plan protects you against personal liability exposure as a homeowner.

two young sisters on bouncy balls in front yard

Additional Coverages

It’s important to know that Flood Insurance and Earthquake Insurance are not included in a standard Homeowners Insurance policy. Unfortunately, many homeowners discover this once it’s too late. Make sure you have all the protection you need for your home by speaking with an Insurance Specialist about the coverages that are right for you.

Understanding Homeowners Insurance

An asset as valuable as a house comes with substantial financial risks such as theft, liability, fire, natural disasters and more. Therefore, it makes sense that most mortgage companies require you to carry a Homeowners Insurance policy to protect your loan. This policy will provide financial protection not only to the mortgage company, but also to homeowners.

Even after your mortgage is paid off, it’s essential to keep your home and your personal belongings within safeguarded against the unpredictable. The best way to do that is to have sufficient Homeowners Insurance coverage.

What Are My Homeowners Insurance Coverage Options?

Property

This covers your home and any other structures, like garages, from damage caused by fire, storms and other hazards.

Personal Property

The personal belongings inside your home are protected by Homeowners Insurance. Jewelry, fine art, fixtures and flooring are covered as well, although high-value items need to be ‘scheduled,’ or specifically insured to be covered.

Liability

Home insurance covers you if someone is injured on your property.

Fire

You are covered up to your policy limits if your home is damaged or destroyed by fire.

Personal Injury Protection

This coverage can protect you against libel and slander lawsuits.

Extended Replacement Cost

This protection increases your payout to help cover additional costs of rebuilding in the event of a total loss.

Full Replacement Cost

This coverage replaces “new for old.” Ask an Insurance Specialist for more details.

Loss of Use

This coverage pays for additional lodging expenses due to a covered loss.

Scheduled Coverage

This covers specific valuables like jewelry, silverware, artwork and collectibles that are “scheduled” or listed out.

Why Do You Need AIS?

AIS will match you with a top-rated insurance carrier while providing outstanding customer service. We act as an advocate between you and the carrier, all without ever charging a fee. Speak with an AIS Insurance Specialist to see if you can bundle your Home and Auto Insurance policies for a multi-policy discount. Our agents are here to find every price-break available.

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Homeowners Insurance Partners

We work with multiple insurance partners to compare rates and find you the best price and coverage from premium carriers. Finding you a great deal on Homeowners Insurance that fits your lifestyle is something we do best.

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