Protect Your Home with Trusted Homeowners Insurance
Your Home, Your Story, Our Priority
Personalized Coverage for the Place You Love
Home isn’t just a roof and walls—it’s family gatherings, Saturday mornings, and lifelong memories. We help you protect your home with coverage that’s built for your life, your neighborhood, and your future here in Mount Pleasant.
With access to trusted carriers and a local team that knows Northeast Texas, we’ll find a homeowners insurance policy that fits your property and your budget—without the stress, fine print, or confusing jargon.
Dwelling Coverage
Dwelling Coverage:
The Heart of Your Policy
Dwelling coverage protects the structure of your home—from the foundation to the roof. Whether it’s a hailstorm or an accidental kitchen fire, this essential protection helps repair or rebuild what matters most.
- Covers house structure (walls, roof, foundation)
- Includes attached structures (garage, deck)
- Protects against fire, hail, wind, & more
- Helps with rebuilding costs after disasters
- Required by most mortgage lenders
Personal Property
Coverage
Personal Property Coverage:
Protect What’s Inside
Your home is full of the things that make life comfortable—furniture, electronics, appliances, keepsakes. Personal property coverage helps replace or repair these valuables if they’re damaged, lost, or stolen.
- Covers belongings damaged by fire or theft
- Protection for electronics, furniture, clothing, & more
- Includes possessions inside & outside your home
- Coverage options for high-value items (jewelry, art)
- Flexible deductibles to match your budget
Liability Protection
Liability Protection:
Peace of Mind for Everyday Life
If someone is injured on your property or you accidentally damage another's property, liability coverage can help shield you financially from legal and medical expenses.
- Protects against personal injury claims
- Covers property damage to others
- Pays legal fees if you're sued
- Medical payments to others included
- Essential for homeowners with guests or pets
Need More Protection? We've Got Options.
From flood insurance to additional endorsements for valuables, we can customize your homeowners policy to match your life. When it comes to coverage, it’s about what fits you—not a one-size-fits-all solution.
Home Insurance, Made Simple
Your Questions, Answered
We believe getting homeowners insurance should feel clear, not confusing.
What does a standard homeowners insurance policy cover?
It typically covers your home’s structure, personal belongings, liability, and additional living expenses if you’re displaced after a covered event like fire or storm damage.
Is flood insurance included in a homeowners policy?
No—flood insurance is a separate policy. If you live in a flood-prone area, we can help you add the right protection easily.
How much homeowners coverage do I need?
We recommend enough coverage to rebuild your home at today’s construction costs, plus additional protection for your belongings and liability needs.
Will my policy cover a home office or side business?
Standard policies have limited coverage for business equipment. We can help you add endorsements if you run a business from home.
Can I save money on homeowners insurance?
Yes! Bundling policies, installing security systems, and choosing a higher deductible are smart ways to save. Ask us how to qualify for discounts.