Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

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What is Home Insurance?

Home insurance, also commonly called hazard insurance or homeowner's insurance, is an insurance that covers a private residence. 

It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents at home or at the hands of the homeowner within the policy territory.

Typical Home Insurance Coverages

Section I — Property Coverages

• Coverage A – Dwelling
  Covers the dwelling itself (not including the land). Provides protection of the home and any attached structures (garage, decking, fencing) by providing coverage to rebuild the structure at current replacement costs.
• Coverage B – Other Structures
  Covers other structures around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
• Coverage C – Personal Property
  Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.).
• Coverage D – Loss of Use/Additional Living Expenses
  Covers expenses associated with additional living expenses (i.e., rental expenses) and additional costs that may incur if a covered event (peril) makes your home uninhabitable for a period of time, such as a repair or rebuild.
• Additional Coverages
  Covers a variety of expenses, such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department charges, removal of property, credit card and identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending on the form.

• Exclusions
  In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3). The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered. A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.
• Floods
  Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from select private insurers. 

Section II — Liability Coverages

• Coverage E – Personal Liability
  Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.

Section III — Medical Coverages

• Coverage F – Medical Expense
  Covers medical expenses and is limited to a set amount per person per accident for injuries occurring on the property premises to persons other than the named insured, or elsewhere, if caused by the insured, a member of the insured's family, or the insured's pet(s).

Contact us to learn more about the right homeowners insurance for you.

(501) 951-2360
11809 Hinson Rd
STE 400
​Little Rock, AR 72212​​​​
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