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Home Insurance
Quote with an agent
Work with a Comparion Insurance agent on protecting your home.
Do I need home insurance?
Home insurance protects you from a potentially large financial loss resulting from your primary residence experiencing damage from wind, water, fire, or theft. Even if your state doesn't require you to carry home insurance, for most people it's the only way to rebuild if you experience damage to your home, including the total loss of your home. Home insurance is likely required by your bank as a condition of your mortgage.
Home insurance can also provide coverage for legal actions, such as the cost of paying for bodily injury to others or damage to their property.
Our agents will guide you through the process, sharing their expertise to ensure you have the right coverage for your residence.
Start a quoteWhat does home insurance cover?
Home insurance typically includes coverage for destruction or damage due to natural disasters, fire, wind, hail, hurricanes, vandalism, and theft. The following insurance coverage typically comes standard with homeowners policies:
- Dwelling
- Personal Property Coverage
- Personal Liability and Medical Payment to Others
- Additional Living Expense/Loss of Rent
While Dwelling refers to the physical structure of your home, Personal Property Coverage refers to the cash value of covered personal property that may need replacement after a covered loss. Common items included are furniture, electronics, and valuables up to a certain amount.
Start a quoteHow much does home insurance cost?
Home insurance will depend on a few key factors including location, size, and how much coverage you think you need. Average home insurance rates vary regionally.
Our insurance agents will meet with you to learn more about your residence and assess your needs. We will always aim to get you the right match for your needs at the best price possible.
Which home insurance offers the best value for me?
Get started creating your custom home insurance quote
Frequently asked questions
Home insurance is required when you have a mortgage. If you do not have a mortgage, home insurance is typically not required, however it is strongly recommended to protect your home (most people's largest asset) with home insurance.
There are several important inputs to pricing home insurance, including the state where you live, the age and size of the home, rebuild cost, property location, the deductible you choose and your claims history.
For a primary and secondary residence, personal property is covered. We recommend having personal property replacement cost coverage to ensure your personal property is insured at today's value versus a depreciated value. There are special limits for high value items such as jewelry, fire arms, rugs, cameras and more. Your agent can help you schedule your high value items which can fully cover them.
This will depend if the home is your primary, seasonal, or rental property. The coverages most important on a home policy are:
1. Coverage A - Dwelling with extended replacement cost coverage to rebuild the home and
2. Coverage C - Personal Property with replacement cost to ensure your personal property is replaced at today's value versus a depreciated value. Depending on your needs, there are additional endorsement options to discuss with a Comparion agent.Increase your deductible, install a reporting alarm system, replace your roof, make sure you're covered properly and paying for what you need.