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Homeowners Insurance

If you have tangible assets, you need the protection of a homeowner’s insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners’ policy will pay to replace or repair of your home and any of your personal property that is destroyed or damaged in a fire or other disaster. The policy will also cover you against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way - unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader, and the burden of proof is on the carrier, not you, in the event of a loss.

Barrow-Hoenstine Insurance Agency offers free, comparative quotes on Homeowners Insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

Our Partners:

  • American Modern
  • Amtrust
  • CNA
  • Chubb
  • Donegal
  • Encompass
  • Foremost
  • Grange Mutual
  • Guard
  • Kemper
  • Liberty Mutual
  • Main Street America
  • Mapfre
  • Merchants
  • MetLife
  • Nationwide
  • Progressive
  • Safeco
  • Selective
  • The Hartford
  • Travelers
  • Utica First
  • Westfield

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