What Your Homeowners Insurance Covers – Get Your Free Estimate

We Care About You and Your Home

Homeowners insurance generally protects both your home and possessions from a wide variety of perils or damage. To be sure your insurance covers your claim, be sure to reach your policy thouroughly and contact your insurance company if you have any questions.


A typical homeowners insurance policy protects you in three major areas:

  • The structure of your house
  • Your personal belongings
  • Your personal liability for injury and property damage to others

A standard policy provides coverage to repair or replace your home and it's contents in the event of damage.  This includes damage resulting from fire, smoke, theft or vandalism, or damage caused by a weather event such as lightening, wind or hail.

Other covered damage could come from external forces like a falling tree.


The following perils are often covered by your homeowners policy:

  • Damage from ice, snow, or sleet
  • Windstorm or Hail
  • Fire or Smoke 
  • Falling Objects
  • Overflow of freezing piples, heating, a/c, or other household appliances
  • Theft or vandalism
  • Explosions
  • Riots and Civil Dissobediance
  • Damage from electrical currents in appliances and wiring

Most policies explicitly list what is covered, so be sure to read your policy throughly.

Conclusion: We're Here to Help

We work closely with insurance companies to restore losses to homes caused by wind, fire, flood, hail, etc. We understand how devastating a loss can be and we pledge to do our very best to get your home repaired seamlessly and quickly.

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Michael Granger, #992201024

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Storm Damage? Call Us Today!

Storm Damage? Call Us Today!