Home Insurance
Coverage Written for Weather
Tornadoes in spring, tropical systems in fall, and hail in between — homes face real weather risks. We compare homeowners insurance quotes across multiple carriers and pay particular attention to the details that can make a difference when claims arise, including wind and hail deductibles, roof coverage terms, and replacement cost accuracy.
What a Homeowners Policy Covers
- Dwelling — rebuilding your home after covered damage
- Other structures — detached garages, sheds, fences
- Personal property — furniture, clothing, electronics (schedule jewelry and valuables separately)
- Loss of use — hotel and living costs while your home is repaired
- Personal liability — injuries to others or damage you cause, at home or away
- Medical payments — smaller guest injuries handled without lawsuits
Details That Matter
- Wind/hail deductibles are often a percentage of dwelling coverage (1-2%+), not a flat amount — on a $300,000 home, a 2% deductible is $6,000. Know yours before storm season.
- Roof age drives everything. Many carriers now pay actual cash value on older roofs. A newer roof (or fortified certification) can significantly cut premium.
- Flood is excluded. Standard home policies never cover flood. If you're near a creek or in a low-lying area, ask us about flood options.
FAQ
Wind damage — including tornadoes — is a covered peril under standard homeowners policies, subject to your wind/hail deductible. We make sure you know that deductible in dollars, not just percentages.
No. Flood requires a separate policy (NFIP or private flood). Even outside mapped flood zones, over 20% of flood claims come from low-to-moderate risk areas — worth a conversation if water concerns you.
Enough to rebuild at today's construction costs — which is not your purchase price or tax value. We run replacement cost estimates and recommend extended replacement cost endorsements for cushion.
Claims can affect pricing at renewal, which is why we suggest calling us before filing small claims — sometimes paying out of pocket beats a claim on your record. We'll help you make that call honestly.
Bundle with auto, raise your deductible, update the roof, add monitored security, and let us re-shop carriers at renewal. Fortified roof certifications earn meaningful discounts with several carriers.
Yes. Older homes sometimes need updated wiring, plumbing, or roof documentation to access the best markets — we'll tell you exactly what a carrier wants and find the market that fits the house as it stands.
