HOMEOWNERS INSURANCE

Real Help From Real People

Homeowners insurance protects your house, your belongings, and your finances if someone is hurt on your property. It can also pay for a place to stay while your home is repaired after a covered loss. A-MAX helps homeowners get covered fast, in English or Spanish, online, by phone, or in-store.

  • ✓ Coverage for houses, condos, and mobile homes
  • ✓ English or Spanish, online, by phone, or in-store

Get your free quote below ↓

Prefer to talk it through? Call 800-921-2629

Renters and Home Giveaway
20+ years on your side · 1M+ drivers helped since 2002 · English and Spanish · Online, by phone, or in-store
 

What Homeowners Insurance Covers

Homeowners insurance protects your home, the things inside it, and your finances if something goes wrong. A standard policy includes six kinds of protection:

Dwelling Coverage

Pays to repair or rebuild your home, including the roof, walls, floors, and attached structures like a deck or garage, after a covered loss.

Other Structures

Covers structures on your property that are not attached to the house, like a fence, shed, or detached garage.

Personal Property

Helps replace your furniture, clothes, electronics, and other belongings if they are damaged in a covered claim or stolen.

Loss of Use

Pays for a hotel or short-term rental, food, and other extra costs if a covered loss makes your home unlivable while it is repaired.

Personal Liability

Helps with legal and medical costs if you are responsible for injuring someone or damaging their property, on your property or away from it.

Medical Payments

Pays medical bills, up to your policy limit, for a guest who is hurt on your property, no matter who is at fault.

You will also pick a deductible, the amount you pay out of pocket before your coverage kicks in. Your agent can walk you through optional add-ons like extended replacement cost or equipment breakdown coverage in plain language.

 

What Homeowners Insurance Does Not Cover

Knowing the limits keeps you from being surprised later. A standard homeowners policy usually does not cover:

  • ✕ Flooding from rising water, like an overflowing river. That needs a separate flood policy.
  • ✕ Earthquake damage. That usually needs separate coverage too.
  • ✕ Normal wear and tear or maintenance issues, like an aging roof or slow leaks.
  • ✕ A business you run from home. That usually needs its own coverage.

Not sure what your home needs? An A-MAX agent will walk you through it in plain language, with zero pressure.

 

Who Needs Homeowners Insurance?

If you own a house, condo, or mobile home, homeowners insurance is for you. If you have a mortgage, your lender will require coverage that protects the property. And even with the mortgage paid off, your home is likely your biggest investment, and one storm, fire, or accident should not be able to undo years of work. Wherever you are starting from, we meet you there. No judgment, ever.

 

How It Works: Covered in 3 Steps

  • 1. Tell us about your home. Fill out the quick form below, call, or visit a store near you.
  • 2. Compare your options. We shop multiple carriers so you can weigh coverage and price side by side.
  • 3. Get covered, with proof of insurance ready for your mortgage lender.

Get your free quote below ↓

 

Why Homeowners Choose A-MAX

You should not have to figure this out alone. A-MAX puts real people on your side to help you get covered without judgment.

  • ✓ 20+ years on your side. A-MAX has been helping people get covered since 2002, including when other companies make it feel hard.
  • ✓ 1M+ drivers helped. More than 1 million people have trusted A-MAX with their coverage. Your home policy gets the same care.
  • ✓ Real bilingual agents. Get help in English or Spanish from real people, online, by phone, or at a store near you.
  • ✓ Here after you buy. Need proof of coverage, a policy change, or a question answered? Your agent is a call or a visit away.
 

How Much Is Homeowners Insurance?

Every home is different, so your rate depends on a few key factors. An A-MAX agent can help you get a real number for your home. Here is what shapes your price:

  • ✓ Where your home is located and its exposure to weather like hail, wind, or wildfires
  • ✓ What it would cost to rebuild your home today
  • ✓ The age of your home and updates to the roof, plumbing, electrical, and HVAC
  • ✓ The deductible you pick. A higher deductible usually means a lower payment.
  • ✓ Safety features like smoke detectors or a security system
  • ✓ Your claims history
  • ✓ Discounts you may qualify for, like bundling your home and auto policies

Get Your Homeowners Insurance Quote

Your home is worth protecting, and getting covered should be quick, affordable, and judgment-free. Fill out the form below and an A-MAX agent will follow up with your quote, or reach out right now.

Rather talk to a real person? Call 800-921-2629

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Homeowners Insurance FAQs

A homeowners insurance policy covers flooding within your home from something such as frozen plumbing water damage, but true flood insurance has to be purchased separately. Flood insurance will cover your home and belongings if they are damaged by an overflowing body of water such as a river or ocean, but homeowners insurance policies specifically exclude flooding of this kind.

 

The term "homeowners insurance" applies to any type of home you may own including a house, condominium, or mobile home. However, there are different forms of homeowners insurance for each of these. Your insurance agent or insurance company will help you find the right home insurance product for you and your specific home.

You have come to the right place! A-MAX Insurance will collect the required information from you and give you quotes from multiple insurance companies so you can find an insurer who will offer you the best coverage for a price you can afford to help protect your home.