★ Home insurance
Protection for the place your life happens.
A homeowners policy does more than cover the house. It covers your belongings, your liability, and a place to stay if a covered loss puts you out of your home. We size it to what rebuilding would actually cost, explain the coastal details up front, and shop it across carriers.
Free quotes · No obligation · A licensed specialist answers, usually within one business day
★ What it covers
One policy, several jobs.
A homeowners policy is a bundle of coverages that work together. Here is what each part is doing for you.
Dwelling and replacement cost
Covers the structure of your home against the perils in your policy, sized to replacement cost: what it would take to rebuild it as it stands, not what you paid for it and not what it might sell for.
Other structures
Detached garages, fences, sheds, and workshops on your property. The buildings around the house, not just the house itself.
Personal property
Your furniture, electronics, clothing, and the rest of what you own, at home and often away from home too, subject to your limits. High value items like jewelry may have lower built in limits and can often be scheduled separately.
Liability
If someone is hurt at your home, or you or a family member accidentally damage someone else's property, your liability coverage responds. For liability beyond these limits, see umbrella insurance.
Loss of use
If a covered loss makes your home unlivable, this helps pay the extra cost of living elsewhere while it is repaired, things like a hotel and added meal costs, subject to your limits.
Medical payments to others
May help with smaller medical bills when a guest is hurt at your home, without anyone having to prove fault. It is a small line that settles a lot of small problems early.
What it doesn't cover: flood damage (that is a separate flood policy, and you can check your flood zone free here), earthquake damage, which is typically excluded or sold separately, and wear and tear or maintenance problems that build up over time.
★ Replacement cost and roofs
The number that matters is the rebuild cost.
Most surprises on a homeowners policy come from three places: how the dwelling limit was set, how the roof will be settled, and whether the policy kept up with the home. All three are worth a plain conversation before you buy.
Replacement cost, not market value
Your dwelling limit should reflect what it would cost to rebuild the home today, with today's labor and materials. Land is not insured, and market value moves for reasons that have nothing to do with lumber. We estimate the rebuild cost with you rather than guessing from a listing price.
Roof age and settlement
A roof's age and condition often affect what coverage is available and how a roof claim is settled. Depending on the carrier and the form, an older roof may be settled at actual cash value, which accounts for depreciation, rather than full replacement cost. Your specialist will tell you exactly how your roof will be treated before you buy, not after a storm.
A review as life changes
A renovation, an addition, a new roof, a pool: each one changes what your home needs. When your home or your life changes, your coverage deserves a fresh look. A review is free, carries no pressure, and often catches a gap while it is still easy to fix.
★ Gulf Coast note
On the Gulf Coast, wind and flood run the show.
Across coastal Texas and Georgia, two details decide how a homeowners policy really performs in a storm:
Wind and hail percentage deductibles
On the coast, wind and hail often carry their own deductible, and it may be stated as a percentage of the dwelling limit rather than a flat dollar amount. That can mean a much larger out of pocket amount after a hurricane than after a kitchen fire, so we walk through the dollar math with you before you sign.
Flood is always separate
Standard homeowners policies exclude flood damage, in every state we serve. Flood coverage comes from the NFIP or private flood insurers, and it can matter well outside the highest risk zones. Check your FEMA flood zone free here, then decide with real information.
Roof and records matter
Coastal carriers often ask hard questions about roof age, updates to plumbing and wiring, and prior claims. Keeping records and photos of updates helps your specialist place the home well and helps any future claim go smoother.
★ Straight answers
Home insurance, answered straight.
How much dwelling coverage do I need?
Does home insurance cover floods?
What is a percentage wind or hail deductible?
What does loss of use cover?
Will my roof be covered at replacement cost?
Home quote
Start your home quote. Two minutes.
Your address, a few details about the home, and how to reach you. A licensed specialist comes back with real options.
- Dwelling limit based on rebuild cost, not a guess
- Wind, hail, and flood details explained before you sign
- Your roof settlement spelled out up front
- A licensed specialist follows up, usually within one business day
- No bait prices, no call centers, no selling your information
Zero Spam Guarantee. Your information goes straight to a licensed agent at Patriot Independent Insurance Partners. Never sold, never sent to lead brokers.
Free quotes. No obligation. Licensed in TX and GA. CA License #0M55310.