Dwelling (Home Structure)
Core coverageHelps cover damage to the structure of your home from covered perils like fire or wind.
- Rebuild/repair costs
- Choose accurate replacement cost
- Special deductibles may apply
AllGuard Insurance Brokerage Inc
Home Insurance
Protect your home, belongings, and peace of mind with tailored homeowners coverage.
Dwelling + PropertyCoverage built around your home
Liability ProtectionHelps protect your savings
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Have this handy:
- Property address + occupancy (primary/secondary)
- Year built + updates (roof, plumbing, electric)
- Estimated rebuild value (if known)
- Prior claims (last 3–5 years)
What is Home Insurance?
Home insurance (homeowners insurance) helps protect your home’s structure, your belongings, and your financial wellbeing if a covered loss occurs. A strong policy can also help cover legal costs if someone is injured on your property.
What does it cover?
Homeowners insurance is designed to protect your home, belongings, and liability exposure.
Other Structures
IncludedHelps cover detached structures like garages, sheds, or fences (limits apply).
- Detached garage/shed
- Fences and driveways (varies)
- Limits may be % of dwelling
Personal Property
BelongingsHelps cover your belongings for covered losses like theft or fire.
- Furniture, electronics, clothing
- Higher-value items may need scheduling
- Replacement cost options may be available
Liability
ProtectionHelps cover injuries or damage you may cause to others and related legal costs.
- Guest injuries
- Property damage to others
- Legal defense (terms apply)
Loss of Use
If you can’t stay homeHelps with additional living expenses if a covered claim makes your home unlivable.
- Temporary housing
- Meals and extra costs
- Time/limit caps apply
Medical Payments
Minor injuriesHelps cover small medical expenses for guests injured on your property (policy terms apply).
- No-fault style benefit
- Lower limits
- Doesn’t replace liability
Good to know
Flood and earthquake are typically excluded—ask about separate policies if you need those protections.
Who needs it?
Homeowners
New buyers and refinances
Landlords (ask about dwelling policies)
Condo owners (HO-6)
Second-home owners
Which policy type is right for you?
Home insurance comes in a few common forms. We’ll help you pick the best fit for your property type and lender requirements.
HO‑3 (Most Common)
Popular
Great for typical owner‑occupied homes—broad dwelling coverage with defined personal property coverage.
- Balanced coverage + cost
- Good for most single‑family homes
- Endorsements available for upgrades
HO‑5 (Broader Coverage)
Enhanced
Expanded protection for both dwelling and belongings—often preferred for higher‑value homes and contents.
- Broader personal property protection
- Great for higher‑value items
- Ideal when you want fewer gaps
HO‑6 (Condo)
Condo
For condo owners—covers interior improvements, personal property, and liability beyond the condo association policy.
- Walls‑in coverage
- Loss assessment options
- Matches lender requirements
DP‑3 (Landlord / Rental)
Landlord
For non‑owner‑occupied properties—focuses on dwelling and liability for rental homes.
- Built for rental properties
- Optional loss of rents
- Can be paired with umbrella
What affects your price (and how to save)
Rates vary, but a few items drive cost the most. We’ll help you optimize coverage without cutting corners.
Big pricing factors
- Home age + updates (roof, plumbing, electric)
- Rebuild cost (materials + labor in your area)
- Deductible choice + prior claims
- Location risks (wind, theft, fire, flood zones)
Most common savings
- Bundle home + auto
- Install/verify alarm + smoke detectors
- Raise deductible strategically
- Schedule valuables correctly (avoid gaps)
How quoting works
3 steps
1
Send details
Address, occupancy, year built, and any recent updates.
2
We compare options
We shop multiple carriers to find the best coverage/value.
3
Choose + bind
We confirm lender requirements and start coverage once approved.
Need proof of coverage?
We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.
Frequently Asked Questions
Is flood covered?
Standard policies typically exclude floods; flood insurance is usually separate.
Are valuables covered?
Personal property is covered, but high‑value items may need endorsements.
Replacement cost vs actual cash value?
Replacement cost helps replace without depreciation; actual cash value includes depreciation.
Can I adjust coverage later?
Yes—limits, deductibles, and endorsements can be updated over time.
How quickly can I get coverage?
In many cases, coverage can start the same day after approval.
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Ready to protect what matters?
Request a free quote or speak with an agent.