Protect your single biggest investment with Distinctive Insurance.

For most people their home is their single biggest investment.  And since every home is different, it’s important you partner with the right agency to help protect your home and family.

What Does My Homeowners Policy Cover?

Your homeowners policy provides protection for you and your family against a multitude of perils.   This includes personal litigation, weather catastrophes, theft, and vandalism protection.

A standard homeowners insurance policy will provide the following coverage:

  • Dwellings and Other Structures (such as a shed or detached garage).
  • Personal Liability- Coverage if someone is injured at your home or you cause property damage to others.
  • Personal Property- Coverage for your household contents and personal belongings.
  • Loss of Use- Covers living expenses over and above your normal living expenses if you cannot live in your home while repairs are made.

*Please remember every policy contains exclusions. We recommend you speak with an agent to learn about these exclusions and how they might affect your coverage.