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Home Insurance

Coverage that's built for what actually happens. Not just what's cheapest.

Industry-leading claims satisfaction, replacement-cost roofs, matching roofing and siding, underground service line and equipment breakdown protection — with flat $1,000 deductibles and advice from a local expert.

Get My Free Home Quote No obligation · We shop 12+ carriers · Answer in one business day.

Get My Free Home Quote

No obligation · We shop 12+ carriers · Answer in one business day.

Most policies cover the easy claim. The expensive ones are where the fine print shows up.

7%
The average homeowner is underinsured by roughly 20–25% of their home's true rebuild cost.

An Advantage policy means real coverage on the claims that hurt — equipment breakdown, buried service lines, roof replacement cost, and a flat $1,000 deductible. No surprises at the worst possible time.

Two ways to insure the same house.

The difference doesn't show up on quote day. It shows up the day you rebuild.

Them

A standard dwelling limit

  • Pays only up to a fixed dollar number, set years ago.
  • Itemized sub-limits on roofs, systems and finishes.
  • You re-shop and re-argue coverage every renewal.
$60,000 After a total loss with rising material costs, the shortfall you cover out of pocket.
Rebuild in full
Us

An Advantage home policy

  • Top-tier claims satisfaction — the claim is handled, not argued.
  • Replacement cost for roofs — paid to replace, not depreciate.
  • Matching roofing and siding coverage, so the repair doesn't look like a patch.
$1,000 Flat deductible on covered home claims — you know your number up front.
12+
A-rated carriers shopped for you
4.8★
From 300+ local reviews
1 day
Answer within one business day
"A pipe burst behind our laundry room. The claim was approved in a day and the whole repair — not just the visible part — was covered." — Karen M., homeowner in Your Town

"First house, first claim. They walked me through every line and I actually understood what I was buying."

— Dave R., first-time buyer

Three steps. We do the hard part.

No phone tag, no jargon, no re-keying your info into six carrier sites.

1

Tell us about your home

ZIP plus a few basics — square footage, year built, roof age. That's it.

2 min
2

We shop 12+ A-rated carriers

We compare coverage — not just price — line by line.

Same day
3

You pick the policy that fits

We handle the switch, the paperwork and the cancellation of the old one.

We do it
Why Advantage

The coverages that separate a good policy from a cheap one.

Claims satisfaction

A track record homeowners actually rate — claims handled fast and fairly, when it matters most.

Equipment breakdown

When your furnace, water heater or AC fails mechanically, the repair or replacement is covered — not out of your savings.

Underground service line

The buried water, sewer and power lines on your property are yours to fix — unless your policy says otherwise. Ours does.

Matching roofing and siding

A repair that matches what was lost — same profile, same look — instead of a mismatched patch on your home.

Replacement cost for roofs

Paid what it takes to replace the roof — not a depreciated percentage that shrinks every year it ages.

Flat $1,000 deductible

One flat deductible across your home policy — no percentage-of-dwelling math when you can least afford it.

Expert advice

A local, licensed agent who explains every line before you buy — not a call center reading from a script.

We're an independent agency shopping 12+ A-rated carriers — so the recommendation you get is yours, not a quota's.

See what full rebuild coverage actually costs.

Free No obligation, no pressure.

We shop 12+ carriers · Local agents · (555) 018-2400