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Best Homeowners Insurance Agencies in Anchorage

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Alaska Direct Insurance Broker, Inc. logo
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License Verified:

License: 14271

Alaska Division of Insurance

Alaska Direct Insurance Broker, Inc.

12330 Old Glenn Hwy Ste 5, Eagle River, AK 99577
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  • Renter's Insurance
  • Personal Property Insurance

Business Description

Alaska Direct Insurance Broker, Inc., caters to clients in Anchorage and the surrounding areas. Its primary agent, Megan Davis, has been in the insurance industry since 1985, providing a selection of products, including homeowners', renters', and business coverage. She analyzes clients' needs to determine their specific situations and find the policies to protect them from risks of loss. Megan also offers vehicle insurance to individuals, whether driving a motorcycle, boat, or ATV.

License Verified:

License: 14271

Alaska Division of Insurance

Alaska Pacific Insurance Agency logo
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License Verified:

License: 41258

Alaska Division of Insurance

Alaska Pacific Insurance Agency

912 E. 15th Avenue Suite 100, Anchorage, AK 99501
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  • Condos
  • Flood

Business Description

Alaska Pacific Insurance Agency has been serving individuals, families, and companies in Anchorage since 1998. The independent insurance agency offers homeowners' insurance packages that include property, personal item, and liability coverages. Its personal protection plans include auto, health, condo, and life insurance. It also has available business coverage products, including general liability, workers' compensation, commercial property, and business owners' policy insurance. Its founder, Tracey Parrish, has over 26 years of experience in the insurance industry.

License Verified:

License: 41258

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.9 / 5 (58)
Google
4.5 / 5 (49)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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––
Alaska Service Agency logo
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License Verified:

License: 23367

Alaska Division of Insurance

Alaska Service Agency

P.O. Box 771069, Eagle River, AK 99577
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  • Multiple Policy Types
  • Homeowners

Business Description

Established in 1980, Alaska Service Agency is a full-service insurance firm that operates in Anchorage. It is an independent agency that compares the annual rates and percentages of different homeowners' insurance policies from regional and national carriers. The firm helps first-time applicants customize coverages to include extreme weather, premises liability, and theft of personal items. Its agents can process all claims to corresponding carriers through the firm's website. Alaska Service Agency also caters to commercial clients and niche businesses.

License Verified:

License: 23367

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (96)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Aurora National Insurance logo
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Aurora National Insurance

4730 Business Park Boulevard, Anchorage, AK 99503
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  • Homeowners

Business Description

A local business in Anchorage, Aurora National Insurance has been delivering insurance solutions to corporations, small businesses, and individuals for more than 20 years. The insurance company offers homeowners insurance policies to clients seeking to protect their property and finances. They offer dwelling coverage, other structures coverage, personal property protection, and personal liability protection. In addition, the firm handles loss of use coverage and medical payments coverage. Led by Lynnette Wood, ANI helps clients understand their insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (39)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Barrett & Associates Insurance logo
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License Verified:

License: 77874

Alaska Division of Insurance

Barrett & Associates Insurance

502 E Park Ave, Wasilla, AK 99654
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  • Renter's Insurance

Business Description

Barrett & Associates Insurance caters to individuals and families in the Anchorage metro. It protects homeowners' living spaces by curating policies that include property and liability coverages. It partners with various insurance carriers to provide tailored protection plans and adjust them based on clients' changing needs. It has a dwelling or fire insurance to safeguard clients when their houses become unhabitable. The business also accommodates customers with mobile homes and rental spaces. Other insurance products include business, car, and life policies.

License Verified:

License: 77874

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (33)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Detail
––
Cederholm Insurance Agency logo
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License Verified:

License: 4637765

Alaska Division of Insurance

Cederholm Insurance Agency

280 N Main St, Wasilla, AK 99654
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  • Renter's Insurance

Business Description

Cederholm Insurance Agency is an independent firm catering to the needs of homeowners in the Anchorage metro. The company creates homeowners' insurance protection packages that provide financial coverage in the event of home damage or destruction. Its professionals also assist in choosing insurance options such as earthquake or flood coverage and customize policies according to clients' needs. Cederholm Insurance Agency has been serving the community since 1983 and is a member of the United States Commerce Association.

License Verified:

License: 4637765

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Coastline Insurance logo
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License Verified:

License: 3001698452

Alaska Division of Insurance

Coastline Insurance

412 E Pioneer Ave Ste 1, Anchorage, AK 99603
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Business Description

Coastline Insurance serves individuals and families throughout Anchorage and its surrounding metros. Its staff utilizes more than 35 years of experience and support from carriers like Allstate, Progressive, and Markel to help homeowners protect their belongings and properties from loss and damage. Through Coastline, clients can acquire supplemental coverage options against instances of personal liability involving mishaps and accidents in the insured property. The agency also offers risk management products for automobile owners, renters, businesses, and landlords.

License Verified:

License: 3001698452

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (26)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Conrad Houston Insurance logo
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License Verified:

License: 7500393

Alaska Division of Insurance

Conrad Houston Insurance

507 W Northern Lights Blvd, Anchorage, AK 99503
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  • Homeowners

Business Description

Conrad Houston Insurance is an independent firm that serves clients in Anchorage. Since 1979, it has been offering a wide range of insurance products, including personal, auto, life, and home, to people of all backgrounds and circumstances. Its home insurance policies are designed to help homeowners safeguard their finances, equities, properties, and preferred lifestyles. The experienced agents assist clients throughout the insurance application process. Conrad Houston Insurance also offers business insurance solutions to big and small Alaskan retailers and corporations.

License Verified:

License: 7500393

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (54)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Conrad-Houston Insurance logo
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Conrad-Houston Insurance

507 W Northern Lights Blvd, Anchorage, AK 99503
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  • Renter's Insurance
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Conrad-Houston Insurance is the premier insurance agency in Anchorage, Alaska. Founded in 1979, locally owned, and independently operated, the firm offers comprehensive home insurance options to fit every dwelling size and layout. Policies cover the physical structure and property within the home, in addition to replacement costs after loss. The firm understands that every homeowner has different needs, and the company works only with select companies to ensure reliable coverage to its clients. Agents help clients customize basic and optional home insurance coverage needs, and customers speak highly about the team's personalized service. Conrad-Houston Insurance also offers health, life, and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (53)
Facebook
5.0 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Dewar Insurance Agency logo
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Dewar Insurance Agency

205 E Benson Blvd Ste 122, Anchorage, AK 99503
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

The Dewar Insurance Agency is an independent home insurance specialist based in Anchorage, Alaska, serving communities across the state. The agency scours home insurance policies from its wide range of providers to find the right one for its client's needs and budget. Available to homeowners and renters, coverage normally includes protection from loss due to structural damage, theft of personal belongings, and liability costs if a visitor is injured. Additional coverage can be included for particularly valuable personal property, and loss of use coverage to meet living expenses if the home is temporarily uninhabitable.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (64)
Facebook
4.2 / 5 (34)
Yelp
4.0 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Doug McCann logo
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License Verified:

License: 35303

Alaska Division of Insurance

Doug McCann

5484 Taku Drive, Anchorage, AK 99508
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  • Renter's Insurance

Business Description

Doug McCann is an insurance agent who gives advice on insurance policies regarding residential properties for homeowners in the Anchorage area. He is affiliated with State Farm, which aims to help people manage life's risks by offering various solutions. Other types of insurance that Doug offers include pet, automobile, business, life, and health. He offers insurance quotes on home, auto, health, and life products. Apart from insurance, Doug also offers mutual funds, annuities, and banking solutions.

License Verified:

License: 35303

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (61)
Facebook
4.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Homer Insurance Center logo
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License Verified:

License: 25632

Alaska Division of Insurance

Homer Insurance Center

Anchorage, AK
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  • Renter's Insurance

Business Description

Homer Insurance Center helps the residents of Anchorage acquire insurance coverage for personal and commercial needs. The company was established in 1992 by Clay and Joan Ellington, who lead a team of agents writing property insurance plans for renters and homeowners. The firm's homeowner's insurance plans protect homes and policyholders from losses, personal liability, additional living expenses, and medical expenses caused by accidents. Homer Insurance Center carries products from Progressive, Safeco, and Berkshire Hathaway GUARD.

License Verified:

License: 25632

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (7)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Group of Alaska logo
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License Verified:

License: 18170

Alaska Division of Insurance

Insurance Group of Alaska

148 W. 34th Ave, Anchorage, AK 99503
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  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Insurance Group of Alaska is a full-service independent agency that has been operating in Anchorage since 1998. It partners with multiple insurance carriers to provide a wide range of personal and commercial lines of insurance, including homeowners' insurance coverage options. This policy covers a wide range of areas, including the policyholders' homes, personal properties, other structures, personal liability, and medical payments. Its team also offers insurance products for renters and mobile homes. In addition, the agency handles lost title bonds.

License Verified:

License: 18170

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (14)
Facebook
5.0 / 5 (6)
Integra Insurance logo
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Integra Insurance

224 N Yenlo St #1, Wasilla, AK 99654
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  • Multiple Policy Types

Business Description

Integra Insurance serves residents and businesses in Anchorage. The independent insurance agency offers personal and business insurance products, including homeowners', renters', auto, general liability, and workers' compensation insurance. Its agents help homeowners secure insurance policies that cover belongings stolen from the dwelling, medical expenses when someone is injured on the property, and living expenses when the home becomes unlivable. The agency also provides insurance for houses under construction. It has been serving the community for more than 30 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.1 / 5 (14)
Facebook
4.3 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lisa Sanders - State Farm Insurance Agent logo
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License Verified:

License: 43089

Alaska Division of Insurance

Lisa Sanders - State Farm Insurance Agent

8427 Laviento Drive, Anchorage, AK 99515
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  • Multiple Policy Types

Business Description

Lisa Sanders - State Farm Insurance Agent offers insurance services for homeowners in Anchorage. She is a long-time resident of the municipality and possesses more than 34 years of experience with State Farm. Some of the products she offers include auto insurance, renters insurance, insurance for personal articles, business insurance, and pet insurance. Lisa is an active member of the Anchorage Chamber of Commerce and is a Habitat for Humanity volunteer. She also supports various orphanages and mission work in Uganda.

License Verified:

License: 43089

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (79)
Facebook
5.0 / 5 (12)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Northern Insurance Services logo
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License Verified:

License: 100176383

Alaska Division of Insurance

Northern Insurance Services

105 Trading Bay Rd Ste 105, Kenai, AK 99611
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  • Renter's Insurance

Business Description

Northern Insurance Services is an independently owned and locally operated agency that caters to individuals, families, and businesses in the Anchorage metro and the surrounding areas. It offers homeowners' insurance policies, which pay for additional living expenses, injured guests' medical bills, home repairs, and personal liability. Also included in its line of products are auto, health, umbrella, cyber liability, and workers' compensation insurance plans. Northern Insurance Services represents various carriers, such as Progressive and Safeco Insurance.

License Verified:

License: 100176383

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Randall Moss Insurance logo
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Randall Moss Insurance

2960 C St Ste 200, Anchorage, AK 99503
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  • Renter's Insurance
  • Earthquake
  • Flood
  • Homeowners

Business Description

Randall Moss Insurance is an agency serving communities in the Anchorage, Alaska, metro area, and it focuses heavily on the Anchorage, Wasilla, and Eagle River regions. It connects clients with home insurance providers and informs them on coverage areas which might best satisfy their unique needs. This agency insures both homes and condominiums and assists renters as well as landlords with specialized policies to protect their interests in lease agreements. It also handles earthquake and flood insurance coverage for clients who require this type of protection. Randall Moss Insurance offers vehicle and life insurance as well.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (46)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Silva Insurance Services, LLC logo
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License Verified:

License: 55613

Alaska Division of Insurance

Silva Insurance Services, LLC

234 West Evergreen Avenue, Palmer, AK 99645
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  • Personal Property Insurance

Business Description

Silva Insurance Services, LLC, caters to clients in the Anchorage area. Its homeowners' insurance offers coverage for damage caused by natural disasters or fires. The policy provides compensation for injuries that occur inside the residences, as well as vandalism and stolen personal items. In addition, clients can get insurance for cars and long-term care. Silva Insurance Services also offers insurance policies for businesses to cover vehicle fleets and workers' compensation claims. Its team is available 24/7 to answer queries.

License Verified:

License: 55613

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tim Graham logo
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License Verified:

License: 100168

Alaska Division of Insurance

Tim Graham

1417 West Northern Lights Boulevard, Anchorage, AK 99503
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  • Multiple Policy Types
  • Homeowners

Business Description

Tim Graham is a State Farm insurance agent that offers home insurance to clients in the Anchorage area. Tim leads an office of State Farm staff members who have over 60 years of combined experience in the real estate industry. He provides clients insurance options that will protect their homes from damages caused by natural elements or theft. Home insurance will grant clients the ability to repair or replace their homes and attached valuables.

License Verified:

License: 100168

Alaska Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (23)
Facebook
4.0 / 5 (13)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs