Protect What Matters Most
Secure Your Home with Confidence
Your home is more than just a building; it’s where memories are made and futures are built. With our home insurance, you can rest easy knowing that your investment is safeguarded against life’s uncertainties.
Get Free Quotes Now!
Who Needs Home Insurance?
Essential Coverage for Every Homeowner
Home insurance is crucial for a wide range of homeowners, from those living in single-family homes to owners of rental properties. It is also essential for rural homes, manufactured or modular homes, and vacation properties.
First-time homeowners and those with investment properties benefit greatly from having insurance, as it protects their significant financial investments. Even if your mortgage is fully paid, maintaining home insurance is a wise decision to safeguard your property and assets.
Home Coverage Options
Explore Our Coverage Plans
Dwelling (Structure)
Secure your home’s structure against a variety of risks, ensuring peace of mind in every storm.
Personal Property
Protect your belongings from unexpected events, keeping your cherished items safe and sound.
Detached Structures
Coverage for garages, sheds, and other structures separate from your main dwelling.
Loss of Use
Receive support for additional living expenses if your home becomes uninhabitable.
Optional Coverages
Enhance Your Home Protection
Water & Sewer Backup
Guard against costly repairs from unexpected water and sewer backups that can damage your home.
Jewelry, Art, and Collectibles Riders
Ensure your most valuable possessions are protected with specialized coverage for high-value items.
Home-Based Business Equipment
Secure your home office with coverage for business equipment and supplies used in your residence.
Earthquake & Flood Insurance
Optional protection for natural disasters that aren’t covered by standard policies, available where applicable.
Outdoor Structures and Landscaping
Extend your coverage to include detached structures and landscaping features on your property.
Identity Theft Protection
Safeguard your personal information with coverage that helps mitigate the impact of identity theft.
Why Home Insurance Matters
Home insurance is a vital safeguard for homeowners, offering financial protection against unexpected events that can cause significant damage or loss. It ensures that you have the resources to repair or rebuild your home after disasters such as fires, storms, or theft.
Beyond financial security, home insurance provides peace of mind, knowing that your home and belongings are protected. It allows you to focus on what truly matters — your family and your future — without the constant worry of potential financial setbacks.
Home Insurance FAQs
Understanding home insurance can be complex, but we’re here to help simplify it. Below are answers to some of the most common questions we receive about home insurance policies.
Is home insurance mandatory?
While not legally required, most mortgage lenders mandate home insurance to protect their investment. Even without a mortgage, having home insurance is a wise decision to safeguard your property.
What does home insurance cover?
Home insurance typically covers the structure of your home, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered event.
Does home insurance cover natural disasters?
Standard policies usually cover damage from events like windstorms and hail. However, earthquakes and floods often require separate policies. It’s important to review your policy details or speak with an agent.
Can I customize my home insurance policy?
Yes, you can add endorsements or riders to your policy for additional coverage, such as for high-value items like jewelry or for specific risks like water backup.
How do I file a home insurance claim?
To file a claim, contact your insurance provider as soon as possible after the incident. Provide details of the event and any supporting documentation, such as photos or receipts, to facilitate the process.
Get Started with a Free Quote
Protect Your Home Today
Don’t wait until it’s too late to secure your home and belongings. At General Insurance Agency, we offer free competitive insurance quotes instantly. Our easy-to-use platform allows you to compare options and find the best coverage tailored to your needs. Take the first step towards peace of mind and financial security. Get your quote today and experience the difference with General Insurance Agency.