HOMEOWNERS INSURANCE

Your house is the place you call home and one of your most valuable investments. That’s why it's important to have the best home insurance coverage without overpaying for it. We can help with that. AIS finds you the best combination of price and coverage.

Protecting Your Home Sweet Home

An asset as valuable as a house comes with substantial financial risks such as theft, liability, fire, natural disasters and more. Therefore, it makes sense that most mortgage companies require you to carry a homeowners insurance policy to protect your loan. This policy will provide financial protection not only to the mortgage company, but also to homeowners. Even after your mortgage is paid off, it’s essential to keep your home safeguarded against the unpredictable. The best way to do that is with sufficient homeowners insurance coverage.
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Homeowners Insurance Discounts

There are many ways to qualify for homeowners insurance discounts. You may already have protection in place like a home alarm system or automatic sprinklers. These are the types of things insurers look for that can help you get a discount on your policy. Check out some common discounts you may qualify for. 

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Bundle & Save More

Want to save as much time and money as possible? Consider combining the purchase of an auto, motorcycle, recreational vehicle, or umbrella insurance policy with your homeowners insurance for a discount. Looking to combine a different policy? Check out all the insurance products our carriers cover, which may be more than you think.

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Compare Multiple Carriers

Why visit multiple websites or make several phone calls to find the best homeowners insurance rate? At AIS, we make it easy to compare quotes from multiple insurance companies at the same time, so you can choose the right rate for you. Don't overpay for insurance. Begin your free quote and get covered today.

Personalize Your Homeowners Insurance Coverage

A standard homeowners insurance policy typically covers the physical structure of your home, permanent structures on your property, your personal property and loss of use. In addition to the costs that result from a covered loss, a standard homeowners insurance plan protects you against personal liability exposure as a homeowner.

Common Homeowners Insurance Coverages

Why Choose AIS for Homeowners Insurance?

Depending on the carrier you choose to purchase your policy from, there may be additional discounts available to you. AIS compares both companies and rates to find you the best option. There's no reason to overpay for insurance coverage when you utilize the power of AIS. 

3 Reasons to Switch to AIS:

1. Reliable Coverage

We only partner with top-rated carriers.

2. Average Annual Savings of $650

Get a free quote and start saving today!

3. Excellent Customer Service

Trust us, we've been doing this for 50+ years.

Common Homeowners Insurance Questions

Is homeowners insurance required?

Most mortgage companies require you to carry a homeowners insurance policy. Even if you do not have a mortgage, a homeowners insurance policy is valuable in protecting against damage to your property and belongings.

What does homeowners insurance protect against?

Standard homeowners insurance policies cover various stressful situations or accidents that happen to or at your property, up to your policy limits and minus any deductible. Examples of events your policy may cover includes roof damage from a windstorm, replacing stolen items in a home robbery, rebuilding after a house fire, and more. 

How can I prevent claims at my home?

There are some simple ways to prevent future accidents from happening in your home, such as removing clutter and recognizing potential hazards. However, a typical homeowners insurance policy helps protect you against personal liability exposure in the event an accident does occur. 

Do I need flood insurance too?

Even if you don't live near a large body of water, your home is still at risk of flooding. Floods can occur anywhere, even if your property is outside of a high-risk flood zone. A typical homeowners insurance policy doesn't cover flooding, so it may give you better peace of mind to add this type of coverage to your policy. 

Do I need an umbrella insurance policy?

When you have important assets, an umbrella insurance policy provides you with extra protection from accidents and lawsuits. If you injure someone or damage their property, do you have enough coverage? If not, you could be paying out of your own pocket. Speak with an agent today to find out if adding umbrella insurance is recommended for you. 

How does a homeowners insurance deductible work?

A standard homeowners insurance policy has a deductible that ranges from $500 to $5,000 on average, and is based on the premium you choose. Your homeowners insurance deductible will apply for each claim you file, meaning the insurance company only pays for covered losses above that deductible. 

Learn About Additional Coverages

flood insurance
Flood Insurance
earthquake insurance
Earthquake Insurance
renters insurance
Renters Insurance
condo insurance
Condo Insurance
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Real Customers. Real Savings.

Claudia C.

"AIS saved me from having to pay a total of $2,760 for adding a 2020 car on my policy! HUGE savings of over $200 a month!"

Michelle L.

"I’ve been with AIS for over 20 years and I won’t ever leave! Their customer service has ALWAYS been amazing at handling anything I need."

Our Trusted Insurance Partners

AIS is known as the insurance specialist for the people. That's why we've teamed up with multiple insurance companies to compare their rates to find you the best price and coverage for non-standard carriers, standard carriers and premium insurance companies all in one place. Finding you a great deal on any type of coverage from auto, home, commercial and anything in between that fits your lifestyle is what we do best.

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From the Homeowners Blog Feed