Homeowners Insurance Comparison Made Easy

For most homeowners, a house is more than just a structure—it’s your largest investment and the place you call home. When damage or loss occurs, you need an insurance company that understands what’s at stake and responds accordingly.

 

At Infinity Insurance, we help homeowners find coverage that offers the right balance of customized protection, reliable claims service, and competitive pricing.

Note: If you’re insuring a rental property, vacation home, or an unoccupied residence, a standard homeowners policy may not apply. These situations typically require a specialty dwelling policy, which we can also help arrange.

 

Why Homeowners Insurance Matters

Regardless of where you live, homeowners insurance is one of the most important policies you’ll ever own. It protects you financially from losses caused by events such as fire, theft, vandalism, storms, and other covered perils, and it also provides liability protection if someone is injured on your property.

 

Not all homeowners insurance policies are the same. Coverage terms, exclusions, endorsements, and limits vary significantly from one insurance company to another—making professional guidance especially valuable.

 

The Value of an Independent Insurance Agent

Without an independent agent, comparing homeowners policies can be difficult. Policies may look similar on the surface, but important differences often exist in the fine print.

 

As an independent agency, Infinity Insurance compares multiple carriers and policy options to ensure your coverage fits your home, lifestyle, and financial goals—not just the minimum requirements.

 

Common Homeowners Insurance Coverages

Most homeowners policies include a combination of the following protections:

Dwelling Coverage
Covers the physical structure of your home. Because construction costs fluctuate due to labor and material pricing, we perform a replacement cost analysis to determine what it would actually cost to rebuild your home today.

 

Other Structures
Provides coverage for structures not attached to the main home, such as detached garages, sheds, fences, driveways, and walkways. This coverage is often a percentage of the dwelling limit but can be adjusted if needed.

 

Personal Property
Protects your belongings, including furniture, clothing, electronics, and appliances—essentially everything inside your home that isn’t permanently attached.

 

Loss of Use
Covers additional living expenses if your home becomes temporarily uninhabitable due to a covered loss and you need to live elsewhere during repairs.

 

Medical Payments
Pays for medical expenses if a guest is injured on your property. This coverage does not apply to members of your household.

 

Personal Liability
Provides protection if you’re found legally responsible for someone else’s injury or property damage. Coverage generally applies worldwide. Choosing adequate liability limits is important to protect your income and assets, and in some cases, an umbrella policy may be recommended for additional protection.

 

Scheduled Personal Property
Offers enhanced coverage for high-value items such as jewelry, firearms, collectibles, artwork, or specialty items that exceed standard policy limits.

 

Get Started with Your Homeowners Insurance Quote

Every home is unique, and your insurance coverage should reflect that.

 

If you’d like Infinity Insurance to review your current policy or provide no-obligation quotes, call our office or enter your information below to get started online. We make the homeowners insurance process simple, transparent, and stress-free.