One Agency. Multiple Insurance Companies.
Shopping for home insurance shouldn't mean calling company after company. As an independent insurance agency, Dear Insurance Agency can compare coverage and pricing from multiple insurance companies for you.
More Options
We shop multiple insurance companies instead of offering coverage from just one.
Personal Service
Work with a real insurance professional who can help you understand your coverage and options.
Here When You Need Us
From questions about your policy to help when your insurance needs change, you'll have someone you can call.
What Does Home Insurance Cover?
A homeowners insurance policy can help protect more than just the structure of your home. Coverage varies by policy, but commonly includes:
Your Home
Coverage for the structure of your house.
Other Structures
Coverage for structures such as a detached garage, fence, or shed.
Personal Property
Coverage for belongings such as furniture, clothing, and electronics.
Loss of Use
Helps with additional living expenses if a covered loss makes your home temporarily unlivable.
Personal Liability
Helps protect you financially if you're legally responsible for certain injuries or property damage.
Medical Payments
Can help pay certain medical expenses when a guest is injured on your property.
What Can Affect the Cost of Home Insurance?
Home insurance rates can vary significantly from one home to another. Insurance companies consider several factors when determining your coverage options and premium.
Your Home
Age of the home, construction type, roof age, square footage, and other property characteristics.
Your Location
Weather exposure, local claim history, fire protection, and other location-related factors.
Your Coverage and History
Coverage limits, deductibles, prior claims, insurance history, and available discounts.
Frequently Asked Questions About Home Insurance
How much home insurance do I need?
The right amount of coverage depends on your home, its replacement cost, your belongings, liability needs, and other factors. We can help you review your options and determine appropriate coverage limits.
Does home insurance cover flood damage?
Standard homeowners insurance generally does not cover flooding. Flood insurance is typically purchased separately. We can help you determine whether separate flood coverage makes sense for your property.
Can I bundle my home and auto insurance?
Yes. Many insurance companies offer discounts when home and auto policies are written together. We'll compare available options to see whether bundling makes sense for you.
Why should I use an independent insurance agency?
An independent agency isn't limited to one insurance company. We can compare options from multiple insurers to help you find coverage that fits your needs.