Home Insurance

Homeowners Insurance

There’s a reason they say Home is where the heart is. Your home is more than an investment. It’s the place you eat, sleep, work and play. It’s where you gather with friends, and spend time with family. In short, it’s where your LIFE is. Unfortunately, homes are also vulnerable to anything from Mother Nature’s wrath to a burglar’s whims.

But your wallet doesn’t have to take a hit if your four walls do. Quality home insurance coverage can protect you financially if your home — or anything inside it — is damaged.

But which policy should you choose? Because everyone’s needs are not the same, it is best to consult with the experienced agents at Fleming & Riles Insurance to help assess your needs and find the insurance policy that is right for you and your home.

What is Homeowners Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Why Do You Need Homeowners Insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.


If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.


If a guest in your home is injured, liability protection and medical coverage help pay expenses.


If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.


If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

We Simplify the Search

Fleming & Riles agents simplify the search process of finding just the right insurance for you. We’ll walk you through the policy options and work with you one-on-one to evaluate your risks and help you decide what insurance plan will best fit your budget and unique needs. We’ll shop and compare policies from multiple insurance carriers until we find awesome protection at the best possible price.

Contact Us Today to Start Your Quote!