Home Insurance

Protecting Your Property. Insuring Peace of Mind.

Home Insurance Your home is your most valued asset, a roof over your family’s head, and a place of growth, celebration and comfort. Protecting your home and the people who live there is essential to providing security for today and the days ahead. Whether you own or rent your home, or live in a condo or mobile home, our experienced agents will make sure you have the right policy to cover the structure of your home and the contents within it. In the event of disaster or accident, your policy will also provide liability coverage and additional living expenses for your family. We are fully trained and licensed to find the home insurance policy tailored to meet your specific needs.

Home Insurance Key Facts

  • Most standard homeowners insurance covers four elements: your home’s structure, personal belongings, liability protection and additional living expenses. Coverage options exist depending on the level of protection you want, and whether you own or rent your home.
  • If you finance the purchase of your home with a mortgage, your lender will require you to get homeowners insurance. Financial institutions may also require you to obtain flood or earthquake insurance depending on the region where you live.
  • If you own a second home or vacation home, your insurance costs will be determined by factors such as: location, type of property, and any extra amenities you own that may add risk.

Be sure to speak with one of our personal lines experts at Phil Richard Insurance to make sure you have the right combination of coverage for both your primary and secondary homes.

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Frequently Asked Questions

I just purchased my first home. How much homeowners insurance should I have?
How does Actual Cash Value (ACV) affect a homeowners’ insurance claim?
Do I need a separate boat insurance policy or is my boat covered under my home insurance policy?
How is condo insurance different from homeowners’ insurance?