Home Insurance

What Homeowners Insurance Covers

Dwelling Coverage

Protects the physical structure of your home—including attached structures like garages and porches—from damage caused by fire, storms, theft, and other covered perils.

  • Should reflect full replacement cost, not market value.

Personal Property Protection

Covers your belongings such as furniture, clothing, and electronics—whether they’re at home or temporarily away.

  • Special coverage available for high-value items like jewelry and collectibles.

Liability Protection

Shields you financially if someone is injured on your property or if you accidentally damage someone else’s property.

  • Covers legal fees and medical expenses.
  • Especially important if you have pets, a pool, or frequent guests.

Additional Living Expenses (ALE)

Pays for housing, meals, and other costs if your home becomes unlivable due to a covered event.

  • Keeps your standard of living intact while repairs are made.

Natural Disaster Coverage

 

Some natural disasters – like floods and earthquakes – aren’t covered under standard policies

  • We’ll help you determine if you need additional policies or endorsements based on your location.

Other Structures Coverage

 

Protects detached structures like sheds, fences, or a separate garage.

  • Typically included as a percentage of your dwelling coverage, with options to increase.

Key Questions to Consider

Insurance policies aren’t one-size-fits-all, and they need to evolve with your life. Whether you’ve recently bought a home, completed renovations, or made major purchases, we’re here to ensure your policy keeps up.

Call or visit us in downtown Laramie to schedule a personalized consultation.  We’re your neighbors—and we’re here to help.


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