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Home Insurance

Affordable Homeowners Insurance Is Our Specialty—

Fast & Easy Quotes from AM Best Rated Carriers

Allow us to guide you through insuring your home and family as if they were our own.  Our licensed agents at Brooks Robb & Callahan are here to help you customize a policy that best aligns with your insurance needs and budget.

Our main objective is to serve as your life long insurance advisors, ensuring that your assets are protected properly in the event of a loss.  Our partnerships with top-rated insurance companies allow us to offer competitive homeowners quotes, whether you are purchasing insurance for a new home or shopping your current homeowners policy.

Call, email or click "Request a Homeowners Insurance Quote" above for free, non-obligatory quotes.  Our office is open Monday through Friday from 8:30am-4:30pm.

Aerial View of a Suburb

Coverage A


Dwelling coverage covers the physical structure of your home along with its permanent attachments and fixtures

Homeowners Insurance Coverages

Please speak with your insurance agent regarding your individual policy limits and coverage​​.  Click on each image below to learn more.

Wooden Fence

Coverage B

Other Structures

Other structures provides protection for various detached structures, including a detached garage, tool shed, fence, pool, etc.

Living Room

Coverage C

Personal Property

Personal property protects personal belongings, including standard electronics, furniture, clothing, etc.

Hotel Reception

Coverage D

Additional Living Expenses / Loss of Use

Additional living expenses / loss of use covers the living expenses you incur while being displaced from your home due to a covered loss (ex. fire, pipe burst, etc.)

Courthouse Steps

Coverage E

Personal Liability

Personal liability protects you against a third-party lawsuit or claim resulting from property damage or bodily injury caused to others by your negligence

Emergency Vehicles

Coverage F

Medical Payments to Others

Regardless of fault, medical payments to others coverage pays if a guest is injured on your property

Modern Kitchen

Homeowners Coverage Forms

  • HO-1: Basic Form - Named Perils (10)

  • HO-2: Broad Form - Named Perils (16)

  • HO-3: Special Form - All Risk / Open Perils ("Homeowners")

  • HO-4: Tenant Form ("Renters Insurance")

  • HO-5: Comprehensive Form ("Homeowners")

  • HO-6: Condo Form

  • HO-7: Mobile Home Form

  • HO-8: Modified Homeowners Form

  • HO-9: Co-Op Form

To learn about the different homeowners forms offered by our carriers, read our article: Differences Between Homeowners Forms

Additional Homeowners Insurance Coverages to Consider

It is important to be aware of the optional coverages insurance carriers offer to better protect your home and needs.  These valuable coverages are known as "endorsements" and are tailored for home owners.  Endorsements can vary by carrier so it is important to review your carrier's specific endorsement forms.

Click on each endorsement to learn more

Homeowners Insurance Discounts

We work with many AM Best top-rated carriers and are always happy to shop to multiple carriers to ensure you are getting the best coverage and price.  Different carriers may offer different discounts.  Here are some of the homeowners discounts our insurance companies may offer:


  • Multi-Policy Discount (i.e., auto, boat, umbrella, secondary residence)

  • Claims Free Discount

  • Security Discount

  • Generator Discount

  • Central Station Alarm System Discount - Fire & Burglary

  • Home Improvement Discount(s) - Roof, Electric, Heat, Pluming

  • New Home Discount

  • First Time Home Buyer Discount

  • Mature Homeowner Discount

  • Auto Pay / Electronic Funds Transfer (EFT) Discount

  • Paid In Full Discount

  • And more...

Cozy Living Room

Home Insurance Blog Posts

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