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Our Services

Home Insurance

Your home is usually the largest asset you own and the one you are least equipped to rebuild from savings. We size the dwelling limit properly and close the gaps that standard forms leave open.

Home Insurance coverage explained by Policy Holder Cover
Home Insurance

What we arrange for you

Dwelling, personal property, liability and additional living expense protection for houses, condos and rentals across all 50 states.

  • Guaranteed or extended replacement cost endorsements
  • Water and sewer backup, and sump failure coverage
  • Ordinance or law coverage for older structures
  • Scheduled personal property for jewellery, art and collectibles
  • Windstorm, hail and wildfire deductible structuring
  • Landlord and short-term rental endorsements
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In Detail

Understanding your home insurance cover

The points our advisors walk through before recommending a home insurance policy.

What a good homeowners policy has to do

A homeowners policy is really four policies bundled together: it rebuilds the structure, replaces what is inside it, pays your living costs while repairs happen, and defends you if someone is injured on your property. Most underinsurance problems come from the first of those. A dwelling limit based on market value rather than true replacement cost can leave you paying hundreds of thousands of dollars out of pocket after a total loss, particularly in markets where lumber, labour and permit costs have climbed sharply.

Where standard policies fall short

Base forms carry sub-limits that surprise people at claim time: jewellery and watches are frequently capped at a few thousand dollars, water backup from a sewer or drain is often excluded entirely, and ordinance or law coverage — the cost of bringing an older home up to current building code — may be limited to a small percentage. We review each of these line by line and add endorsements only where your actual exposure justifies the premium.

Renters and condo owners need cover too

A landlord's policy protects the building, not your belongings or your liability. Renters insurance is inexpensive and covers personal property, liability and additional living expense if your unit becomes uninhabitable. Condo owners should confirm whether their association master policy is all-in or bare walls, because the difference determines whether you must insure cabinets, fixtures and interior finishes yourself.

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Get your home insurance quote

Tell us a little about what you want to protect and a licensed advisor will come back with comparable options from our carrier panel.

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Response within one business day

Most quote requests are answered the same working day.

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Your details stay private

We never sell or share your information. See our privacy policy.

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No quote fees, ever

Reviews, audits and comparisons are free of charge.

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Other coverage we place

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Health Insurance

Individual, family and small-group medical plans compared on network, deductible and out-of-pocket maximum — not just monthly price.

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Auto Insurance coverage from Policy Holder Cover 🚗

Auto Insurance

Liability, collision, comprehensive and roadside assistance for cars, trucks, motorcycles and multi-vehicle household policies.

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Life Insurance coverage from Policy Holder Cover 💖

Life Insurance

Term, whole and universal life policies sized to your mortgage, income replacement and long-term legacy goals.

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Send us your current declarations page and we will benchmark it against 32 carriers — free, with no obligation to switch.

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