Home Insurance
Home Insurance That Protects What Matters Most
Your home is more than a building — it's where life happens. Make sure it's protected with the right homeowners coverage.
Understanding Your Homeowners Insurance
Homeowners insurance is your first line of defense against the unexpected. From storm damage to a guest slipping on your front steps, the right policy keeps you from facing major financial loss on your own.
At Wingerd Agency, we'll walk you through your options and make sure your home, belongings, and liability are covered — so you can focus on living, not worrying.
Coverage Types Explained
Dwelling Coverage
Covers the physical structure of your home — walls, roof, floors, and built-in appliances — if damaged by a covered event like fire, wind, hail, or lightning. This is the foundation of any homeowners policy.
Personal Property Coverage
Protects your belongings inside the home — furniture, electronics, clothing, and more — if they're stolen or damaged. Coverage can often extend to items outside the home as well.
Liability Coverage
If someone is injured on your property or you accidentally damage someone else's property, liability coverage helps pay for legal fees, medical bills, and settlements so you're not left exposed.
Loss of Use Coverage
If your home becomes uninhabitable due to a covered loss, loss of use coverage pays for temporary housing and additional living expenses while repairs are made — so your life doesn't have to stop.
Why Choose Wingerd Agency for Home Insurance?
- Dedicated agents who know your area and its unique risks
- Personalized policy reviews to make sure you're not over- or under-insured
- Responsive support when you need to file a claim
- Bundling discounts when you combine home with auto or other policies
Protect Your Home Today
Get a free, no-obligation homeowners insurance quote. Our agents are ready to help you find the right coverage at the right price.
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