Homeowners Insurance
Coverage that holds up.
The right homeowners policy does more than satisfy your mortgage lender. It insures the home for what it would actually cost to rebuild, carries liability limits high enough to protect your assets, and brings the house, its contents, and the valuables inside it under one coordinated program.
Guaranteed replacement
The home rebuilt to its full cost, even when that runs past the policy's stated limit.
$1M+ liability
Personal liability set to sit beneath your umbrella with no gap.
One program
Home, contents, valuables, and secondary properties coordinated together.
24 hours
Typical turnaround for a new homeowners quote.
Why It Matters
The policy behind your largest asset.
Homeowners insurance covers the financial consequences of owning a home: damage to the structure, loss of the belongings inside it, liability for injuries that happen on your property, and the cost of somewhere to live while it's repaired.
The details matter for high-net-worth households. A custom or older home often costs far more to rebuild than its market value suggests, or that a typical policy would provide. A base liability limit doesn't go far when an injury claim reaches your savings and equity. And the art, jewelry, and collections inside are capped at a few thousand dollars unless they're covered separately.
The right policy rebuilds at true replacement cost, schedules high-value items at agreed value, carries liability sized to work with your umbrella, and brings the main home, secondary properties, and contents under one program.
What a comprehensive homeowners policy covers.
Dwelling & other structures
Rebuilds your home and attached or detached structures after a covered loss, including garages, guesthouses, and fences.
Personal property
Covers your belongings, from furniture to electronics. High-value items should be scheduled separately.
Personal liability & legal defense
Pays for injuries or property damage you're responsible for, plus the cost of defending you.
Loss of use
Covers comparable housing and living costs while your home is repaired or rebuilt.
Getting Started
Everything you'll want to know.
Whether you're insuring a first home, a custom build, or a household with several properties, these guides cover what matters before you buy.
The Basics
How does homeowners insurance work?
How dwelling, contents, liability, and loss-of-use coverage fit together, and what each part of your policy is actually doing.
Policy Types
What kinds of homeowners insurance are there?
HO-3, HO-5, HO-8, condo, and landlord forms, and which one fits the home you actually own.
What's Excluded
Common homeowners exclusions
Flood, earthquake, wear and tear, and the other gaps a standard policy leaves, and how to fill them.
Pricing
How much does homeowners insurance cost?
The factors that drive your premium aren't always the ones you'd expect. And high-net-worth insurers are often cost-competitive with mass-market.
High-Net-Worth
What is HNW homeowners insurance?
Guaranteed replacement cost, higher liability, cash-settlement options, and the service differences that set high-net-worth carriers apart.
Specialty Lines
Specialty lines for homeowners
Flood, earthquake, valuable articles, and excess liability, all sit beside the core policy. Read the guide →
What It Responds To
One policy, many situations.
A well-structured homeowners program responds across the full range of things that threaten a home.
Fire & smoke
Rebuilds and replaces after one of the most destructive losses a home can suffer.
Theft & vandalism
Covers stolen or damaged belongings, both inside the home and away from it.
Storms & weather
Wind, hail, lightning, and winter damage are covered under a standard policy.
Water damage
Burst pipes and sudden internal leaks are covered — flooding from outside the home is separate.
Liability claims
Responds when a guest is injured on your property or you're held responsible for damage.
High-value contents
Scheduled coverage protects art, jewelry, and collections at their real worth.
When To Look Closer
If any of this sounds like your home.
Most of our clients carry more than a basic policy because their home, its contents, or their exposure calls for it, not because they expect trouble. These are the situations where it pays to look closer.
Scenario
You own a custom, historic, or high-value home
Standard policies cap rebuild costs that these homes can run well past.
Scenario
You own art, jewelry, wine, or collections
Base policies limit these to a few thousand dollars unless they're scheduled.
Scenario
You own more than one property
A second home, vacation property, or rental should be coordinated with your main coverage.
Scenario
You're in a wildfire, flood, or earthquake zone
The perils most likely to total a home are often the ones a standard policy excludes.
Scenario
You carry only a mortgage-minimum or mass-market policy
Low limits and depreciated payouts leave your largest asset exposed.
Scenario
You employ household staff
Nannies, housekeepers, and estate staff can create liability a base policy doesn't fully address.
FAQ
Quick answers before you ask.
The questions we hear most about home coverage: how it's valued, how much to carry, and how it fits with the rest of your policies.
Talk to an advisor →Built to cover your home.
Talk to an insurance advisor about your home, what's inside, and how to use it, and we'll create a customized plan for your coverage.