Homeowners Insurance


Your home is likely the most significant investment you will ever make, which is why it’s crucial to protect it with the right insurance coverage. Home insurance provides financial protection in the event of damage or loss due to unexpected events such as fire, natural disasters, theft, and more. Our highly qualified agents, here, at TCIS, will help you determine your specific coverage needs and the options that are available to you.


One key consideration when selecting home insurance is ensuring that your coverage provides for the replacement cost of your home and its contents. Replacement cost coverage protects you from the unexpected expense of having to rebuild your home or replace your possessions at today’s prices.

In addition, it’s important to ensure that you have adequate coverage for personal belongings such as furniture, appliances, and electronics. Be sure to take inventory of your possessions and discuss coverage options with your insurance agent to ensure that you have the appropriate level of coverage.

When choosing home insurance, it’s also important to consider any additional coverages you may need, such as liability coverage, which provides protection against lawsuits due to injuries or damage that may occur on your property.

Overall, home insurance is an essential investment for protecting your biggest asset. By working with a one of our trusted insurance agents to determine your coverage needs, you can rest assured knowing that your home and belongings are safe and secure.


What’s Covered?

A homeowners insurance policy provides coverage for damage caused by most disasters. There are exceptions. The most significant exceptions are:

  • Flood or water that backs up through sewers or drains. Flood insurance can be purchased as a separate policy; water back-up coverage is available as an endorsement.
  • Earthquake and earthquake aftershocks. Earthquake insurance is only available in some states.
  • Landslides and mud slides