Protect what’s inside your home—without overpaying.

Usually, no—most policies cover only the named insured(s). Many roommates need their own policy. We’ll help you set it up correctly.

Often, yes. Many policies include “off-premises” coverage for belongings while you’re traveling, at work, or in your car—subject to limits and deductibles.

It depends on the source. Sudden, accidental water damage may be covered, while flooding and some types of seepage typically are not. We’ll review your building risks and options.

A good starting point is the cost to replace your belongings new. We can help you estimate a total and choose limits that match your budget.

Liability coverage may help if your pet injures someone, but some breeds or situations can be excluded. We’ll confirm carrier rules before you bind coverage.