Personal home insurance, done right
Your home is likely your largest investment, and standard policies can hide gaps and miss discounts. As a broker, we compare top-rated carriers to protect it properly at a fair price.
Top-rated carriers · No cost to compare
See what could cost you
Single-family, townhome, condo or rental: select what applies and we'll show the coverage that typically fits. Nothing is stored or shared.
Your operation
Select everything that applies.
Coverage that typically applies
2 coverages — a starting point for a conversation, not a quote.
- Dwelling at replacement costRebuild cost, not market value. Ask about guaranteed or extended replacement cost.
- Personal liabilityLegal costs and damages if you're responsible for injury or property damage.
Five protections in one home policy
Dwelling (Coverage A)
Rebuilds the structure, including walls, roof and built-ins, after a covered loss like fire, wind or a burst pipe.
- Worth checking: rebuilding costs (labor, materials, code upgrades) can far exceed market value or an old estimate.
Other structures (Coverage B)
Detached garage, fence, shed, deck or backyard studio, typically at 10% of your dwelling limit.
- Worth checking: a new shop, ADU or expensive fencing can exceed the default 10%.
Personal property (Coverage C)
Furniture, electronics and clothing, at home or with you elsewhere.
- Worth checking: jewelry, art, firearms and collectibles have low per-category caps (often $1,500–$2,500).
Loss of use (Coverage D)
Hotels, meals and extra living costs if a covered loss makes your home temporarily unlivable.
- Worth checking: rebuilds take longer than expected. Make sure time and dollar limits fit your family.
Personal liability (Coverage E)
Legal costs and damages if you're responsible for someone's injury or property damage, at home or away.
- Worth checking: default limits ($100,000–$300,000) are thin if you have assets to protect. An umbrella adds $1 million or more.
Credits many homeowners qualify for
Available discounts vary by carrier, home and state.
Multi-policy (bundle)
Pairing home and auto is usually the largest saving.
Claims-free
No claims in five years earns better pricing.
New homebuyer
Many carriers reward recent buyers.
Non-smoker
Lower fire risk, lower premium.
New or updated roof
A newer roof is one of the strongest credits.
Impact-resistant or metal roof
Stronger roofs mean fewer claims.
Renovated systems
Updated electrical, plumbing and HVAC reduce fire and water risk.
Monitored security alarm
Lowers theft and fire risk.
Smart water-leak sensors
Leak sensors head off one of the most common home claims.
Smart smoke and CO detectors
Connected detectors qualify for credits.
One conversation, many carriers
We compare the market
Many top-rated carriers compared side by side, so you get the right coverage at a fair price.
Local since 1992
We understand the region's real risks: water damage, wildfire, seismic and coastal exposure.
Help at claim time
When something goes wrong, we help you file, follow up and get treated fairly.
Let's review your home coverage
Share a few details and a broker will compare your coverage and follow up, usually within one business day.
- We review your home and current coverage for gaps and savings
- We compare top-rated carriers and bring you the options
- You choose, with every discount applied. No obligation.
Have your current declarations page? You can email it to info@firstunderwriters.com after you submit.
Own more than one property?
Second homes, rentals and higher-value homes often fit better in a coordinated private client program. Call us to talk it through.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. The coverage check and discount list are illustrative and not a quote. Available discounts, eligibility, coverage and rates vary by carrier, property and state, are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.