Homeowners 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 advisor, 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.

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Homeowners Insurance Coverage

Please speak with your insurance agent regarding your individual policy limits and coverage

  • Coverage A - Dwelling

    • Dwelling coverage covers the physical structure of your home and permanent attachments/fixtures

  • Coverage B - Other Structures

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

    • This coverage is usually 10% of the policy limit for Coverage A

  • Coverage C - Personal Property

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

      • Typically 40-70% of the policy limit for Coverage A - Dwelling

    • You have the option to insure these items on a Replacement Cost basis or an Actual Cash Value basis

      • Replacement Cost represents the cost to replace the building or personal property while Actual Cash Value takes depreciation into consideration

    • Depending on your policy, you may have coverage for theft away from home ('Off Premises Theft')

      • Typically 10% of Coverage C - Personal Property​

    • There are typically limitations on theft for jewelry, fine arts, furs, silverware, etc. - we can help you schedule these items for full protection

  • Coverage D - Extra Living Expenses / Loss of Use

    • Extra 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.).  These expenses include hotel rooms, food bills, warehouse storage, etc.

      • Typically 20% of the policy limit for Coverage A - Dwelling

  • 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

      • I.e., your dog bites someone, your child breaks a window or someone is injured falling on your property

    • **We strongly recommend discussing umbrella coverage with your insurance agent.  Umbrella coverage is an additional layer of liability that would extend over your home(s), auto(s), boat(s), etc. owned in your personal name

  • Coverage F - Medical Payments to Others

    • Regardless of fault, Medical Payments to Others coverage pays if a guest is injured on your property

    • This coverage will not pay for injuries to permanent residents of your home

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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.  These valuable coverages are known as "endorsements" and are tailored for home owners. 

  • Guaranteed Replacement Cost Endorsement - the insurance company agrees to pay above the dwelling coverage limit, if needed, to restore the home to its condition prior to a covered loss

    • Some companies offer 125% or 150% replacement cost, meaning they will pay an additional 25% or 50% of the dwelling coverage limit, if needed, to restore the home

  • Contents Replacement Cost Endorsement - covers the cost to replace the item, regardless of when the item was purchased.  No depreciation considered.  

  • Inflation Guard Endorsement - enables your insurance carrier to increase your dwelling coverage limit based on a certain percentage (usually 1%-4%) to protect against inflation - the cost of labor, building materials, etc. increases every year

 

  • Other Structures Endorsement - provides additional coverage for costly structures (pool house, etc.) detached from the home, that would exceed the standard 10% limit

 

  • Scheduled Personal Endorsement - can be referred to as a “personal article floater”. Protects special items such as jewelry, furs, stamps, coins, guns, computers, antiques, etc. that may exceed normal policy limits. Typically these scheduled items are not subject to a deductible and are protected worldwide

 

  • Increased Limits on Money and Securities - increases policy limits for money, bank notes, securities, etc.

 

  • Secondary Residence Premises Endorsement - can extend coverage to another owned residence

 

  • Home Daycare Endorsement - provides coverage for a liability claim that results from operating a daycare in your home

 

  • Business Pursuits Endorsement - provides liability coverage for a non-owned at-home sales business or other small “franchised” venture (ie. Mary Kay, Avon, etc.)

 

  • Home Business Endorsement - provides liability coverage if you own and operate a small business in your home

 

  • Personal Injury Endorsement - provides liability coverage if you are sued for libel, slander, and/or defamation of character

 

  • Ordinance and Law Endorsement - provides coverage for additional costs of reconstructing your home to bring up to current code or law

 

  • Watercraft Endorsement - extends personal liability and medical payments on small sailboats and outboard motor boats. We recommend purchasing boat insurance for full coverage

Homeowners Insurance Discounts

We work with several AM Best A 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 offer:

 

  • Multi-Policy Discount

  • 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 Discount

  • Paid In Full Discount

  • And more...

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