Homeowners insurance home insurance house insurance Dwelling insurance

Homeowners Insurance

What's covered by a standard homeowners insurance policy?

Physical Structures: If your house or other structures on your property, like a garage or tool shed, are damaged or a deemed total covered loss, we'll arrange for them to be repaired or replaced.

Personal Belongings: If your personal possessions, like furniture, clothing, and appliances, are damaged or deemed a total covered loss, we’ll arrange for them to be repaired or replaced.

Liability: If someone is accidentally injured or has their own property damaged while on your premises, we'll defend any claims against you and pay them up to your policy limits. We'll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.

Additional Living Expenses: We'll cover your additional expenses if, due to a covered loss, you need to live elsewhere while repairs are being made to your home, enabling you to return to living your life as quickly as possible.


Maximized Protection

If your home is damaged, our homeowners policy helps cover costs of damage from fire, windstorms, hail, theft, and other covered losses. And while your home is being repaired or rebuilt, we’ll help cover temporary housing expenses, so you and your family can get back on your feet faster.


And we know that your home is more than your house, it’s also the things inside that make it yours. Our personal property coverage protects the important possessions inside your home — from your kids’ tablets to your grandmother’s piano.


But, if you’ve got unique valuables to protect, like wedding rings, family heirloom jewelry or an art collection, it’s smart to add scheduled property coverage to your policy. This extra coverage will help pick up where your regular property protection ends, and make sure your most valuable possessions will always be protected. Your agent can help explain the details.


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Refer a Friend & Eat Well!

Refer a friend to The Wight Insurance Agency by contacting our office or by filling out the referral form on our website, and get a free pizza or $20 gift card.

Refer a friend for pizza

Discounts

Bundle and Save

If you have more than one policy with us, you can qualify for a multi-policy discount that gets you comprehensive protection and additional savings.

Claims-Free Discount

You don't need to be a new customer to be rewarded for being a responsible homeowner. If your policy remains claims-free with us for three years, you could save on your premium.

Protective Devices Discount

Save on the cost of home insurance by outfitting your home with protective devices such as smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers.

Early Shopper Discount

Save on your home insurance when you request a quote before your policy with another carrier expires.3

Insured to Value Discount

When you insure up to 100% of the cost to replace your home (usually different from the market value or selling price), you may receive a discount.

New/Renovated Home Discount

You may qualify for special savings if your home was built or substantially renovated recently or within the past 10 years.

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CALIFORNIA - COLORADO - GEORGIA - ILLINOIS - MINNESOTA - NORTH DAKOTA - OHIO

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