Personal Insurance
Home Insurance
Your home is likely your most valuable asset, and homeowners insurance helps protect that investment. A standard policy covers your dwelling, other structures on the property, personal belongings, and your personal liability — all in one package. Whether it's storm damage, a burst pipe, a kitchen fire, or a guest who gets injured on your property, home insurance is designed to help you recover and rebuild.
Worth knowing
Don't Forget: Home Alarm Systems May Qualify for a Discount on Your Homeowners Policy
Many carriers offer a lower premium when you have a qualifying burglar or fire alarm; professionally monitored systems sometimes earn a larger credit. What counts—and how much you save—depends on the insurer and your policy, so mention your alarm when you get a quote or review coverage. If you'd like to explore professionally monitored smart-home security, Secure24 Alarm Systems—an ADT authorized dealer—has a helpful page with package information and current offers so you can see what might fit your home. That's a complement to your homeowners coverage (handled separately), and we're always here to help with your insurance side of the equation.
Secure24 ADT-monitored detailsWhat Home Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Dwelling coverage — repairs or rebuilds the structure of your home after a covered loss
Other structures — covers detached garages, fences, sheds, and outbuildings
Personal property — replaces furniture, electronics, clothing, and belongings lost to fire, theft, or other covered events
Loss of use / additional living expenses — pays for temporary housing while your home is being repaired
Personal liability — covers legal costs and damages if someone is injured on your property
Medical payments to others — covers minor injuries to guests regardless of fault
Who Often Explores Home Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
First-time homebuyers securing coverage before closing
Existing homeowners who want to review or upgrade their current policy
People who've recently renovated and need to update their coverage limits
Homeowners in storm-prone areas looking for comprehensive wind and hail coverage
Anyone who wants to bundle home and auto for potential multi-policy savings
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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