Why Choose Top Insurance for Home Coverage?
We help you find the right homeowners insurance at the best price by comparing quotes from multiple carriers.
Complete Protection
Coverage for your home structure, personal belongings, liability, and additional living expenses.
Customized Coverage
Tailor your policy with options for valuable items, water backup, identity theft, and more.
Expert Guidance
Our licensed agents help you understand coverage options and find the best policy for your needs.
What's Covered
Dwelling Coverage
Protects the structure of your home from covered perils like fire, wind, and hail.
- • House structure
- • Attached structures
- • Built-in appliances
Personal Property
Coverage for your belongings inside the home, including furniture and electronics.
- • Furniture & electronics
- • Clothing & jewelry
- • Appliances & tools
Liability Protection
Protects you from lawsuits if someone is injured on your property.
- • Medical payments
- • Legal defense costs
- • Damage to others' property
Additional Living Expenses
Covers temporary housing if your home is uninhabitable after a covered loss.
- • Hotel costs
- • Temporary rental
- • Additional food expenses
Other Structures
Protection for detached structures on your property.
- • Detached garage
- • Shed or fence
- • Guest house
Medical Payments
Covers medical bills if a guest is injured on your property, regardless of fault.
- • Guest injuries
- • No-fault coverage
- • Quick claims process
Types of Home Insurance Policies
We offer coverage for all types of homes and living situations
Homeowners (HO-3)
Most common policy for single-family homes. Covers dwelling on an open-peril basis and personal property on named-peril basis.
Condo Insurance (HO-6)
Designed for condo owners. Covers personal property, interior walls, liability, and improvements you've made.
Renters Insurance (HO-4)
For tenants renting a home or apartment. Covers personal belongings and liability but not the building structure.
Available Discounts
Save money with these common home insurance discounts