Home insurance
made simple.
Coverage you understand. Protection you can trust. A homeowners policy should do more than satisfy a lender requirement. It should help protect your home, your belongings, your liability and your financial stability when something goes wrong.
Protection for the place life happens.
Your home is one of the biggest investments you will ever make. The right homeowners policy helps protect more than the structure itself. It can help protect the things inside your home, your responsibility to others and your ability to recover after a loss.
What home insurance can help cover.
Dwelling
Helps protect the structure of your home after a covered loss.
Personal Property
Helps cover belongings inside your home, subject to policy terms and limits.
Liability
Helps protect you if you are responsible for certain injury or property damage.
Living Expenses
May help with extra living costs if you cannot stay in your home after a covered loss.
Coverages worth knowing about.
Not all homeowners policies are built the same. These are some common optional protections worth understanding when reviewing your coverage.
Water Backup Coverage
Helps cover certain damage caused by water backing up through drains, sewers or a failed sump pump. This is typically not included in a standard homeowners policy.
Ordinance or Law
Helps with added costs to repair or rebuild to current building codes after a covered loss. This can be especially important for older homes.
Loss Assessment
May help cover your share of certain losses assessed by a homeowners association, such as damage involving shared structures or common areas.
Extended Replacement Cost
Can provide added protection if rebuilding costs exceed your dwelling coverage limit because of increased construction costs.
Service Line Coverage
Helps cover certain damage to underground service lines such as water, sewer, gas or electrical lines running from the street to your home.
Equipment Breakdown
Helps cover certain sudden mechanical or electrical breakdowns involving systems and appliances such as HVAC units, water heaters and electrical panels.
Scheduled Personal Property
Can provide broader protection for higher-value items such as jewelry, collectibles, cameras and other property that may have limited standard coverage.
Identity Theft Protection
May help cover certain expenses associated with restoring your identity after it has been compromised.
A few things worth reviewing.
- Is your home insured for the cost to rebuild?
- Do you have enough liability coverage?
- Are your deductibles where you want them?
- Are there gaps or optional coverages worth addressing?
A better way to review your coverage.
This is not only about finding the lowest premium. It is about making sure your coverage actually fits your home and your situation.
- Clear, practical guidance
- Help understanding what matters
- Coverage reviewed around your actual needs
How it works.
Request a Quote
Share a few basic details about your home and current coverage.
Review Your Options
We help you understand the coverage, limits, deductibles and key differences.
Choose Confidently
Select the option that makes the most sense for your home and your situation.
Let’s review your home insurance.
Whether you are shopping for a new policy, checking your current coverage or simply want a second opinion, D. King Agency is here to help.