Homeowners Insurance

Safeguard your most valuable asset.

Protect your home and personal belongings with the right homeowners insurance.

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Homeowners insurance coverage options

Your home is one of the biggest investments you’ll ever make. By protecting it with the right insurance coverage, you’re protecting your family and your finances from hardship if anything happens to your home.

We offer a variety of coverage options to meet your needs.

  • Damage to the interior or exterior of your home
  • Personal liability coverage for damage or injury
  • Valuable personal property coverage
  • Temporary housing coverage if your home is uninhabitable

We also offer flood and earthquake insurance as separate policies.

We work for you

At Hodge American, we work for you—not for the insurance companies. We’re here to ensure you get the coverage that’s right for you. We will:

  • Discuss your situation and provide personalized advice
  • Help you identify the insurance policies that best meet your needs
  • Find you that coverage at the best possible price

Homeowners Insurance FAQs

Most mortgage lenders require you to carry homeowners insurance to get a mortgage. But even if you own your home outright, it’s a good idea to get homeowners insurance to protect this important asset.

Your mortgage lender will usually require you to get homeowners insurance before closing on your mortgage. If you don’t have a mortgage, then it’s best to speak with an insurance agent prior to closing on your purchase to help protect your new home.

Depending on the value of your jewelry and other valuable items, you may need additional coverage beyond your basic homeowners insurance coverage. When you discuss your insurance needs with us, we can help you decide whether you need additional coverage for valuable personal property.

Liability coverage can protect you if there’s an accident or injury at your home. For example, if a visitor falls or is bitten by a pet, that would typically be covered by liability coverage.

If you run a business from your home, you may need additional coverage beyond a typical homeowners policy. We can help you decide what kinds of coverage you need.