Home PageGet A QuoteCustomer ServiceMap & DirectionsAbout UsContact Us

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Quote Form


Homeowners Insurance Information

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask us:

Here are few things to discuss with us that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

Only securities and advisory services offered through Wall Street Financial Group, Inc (WSFG), Registered Investment Advisor, Member FINRA/SIPC. WSFG may only transact business in those states and international jurisdictions where we are registered/filed notice or otherwise excluded or exempted from registration requirements. Any communications with prospective clients residing in international jurisdictions where WSFG and its registered representatives are not registered or licensed shall be limited so as not to trigger registration or licensing requirements. Securities services from Spencer Corzine may not be provided to individuals residing in any states other than AL, CA, DC, FL, GA, HI, IL, KS, LA, MD, NY, NC, NJ, NV, PA, SC, TX, UT and VA. Securities services from Rob Anderson may not be provided to individuals residing in any states other than AL, AR, AZ, CA, CT, DC, FL, GA, HI, IL, IN, KS, KY, LA, MD, MI, MO, ND, NH, NJ, NV, NY, NC, OH, PA, SC, TN, TX, UT, VA, VT, WA and WI. Securities services from Donald Burger may not be provided to individuals residing any states other than AZ, AR, CT, MI, NY, NC, PA, TN and WA. Advisory services from Spencer Corzine may not be provided to individuals residing in any states other than FL, NY, NC, SC and TX. Advisory services from Rob Anderson may not be provided to individuals residing in any states other than CA, FL, NY, NC, SC and TX. Insurance services from Spencer Corzine may not be provided to individuals residing in any states other than CA, FL, MD, NY and TX. Insurance services from Rob Anderson may not be provided to individuals residing in any states other than CA, FL, MD, NY and TX. Insurance services from Donald Burger may not be provided to individuals residing in any states other than NY. Health and other non-variable insurance products are not offered through WSFG. Information provided should not be construed as legal or tax advice; you should speak with an attorney or tax advisor. For financial calculators please visit: http://apps.finra.org/investor_Information/Tools/Calculators/calc_disclaimer.asp (if you cannot access this link, please copy and paste into your browser). WSFG did not assist in the preparation of this material, and while it is believed to be from a reliable source, its accuracy and completeness are not guaranteed. Opinions expressed are those of the author and are not necessarily those of WSFG. The material has been prepared or is distributed solely for informational purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. WSFG is not responsible for information contained in websites or literature referenced herein. WSFG, Anderson-VanHorne Associates, Inc., and companies with websites listed herein are separate entities, individually owned and operated.