Homeowners
Dwelling, personal property, liability, and additional living expenses — all calibrated to your home's true replacement cost, not just its market value.
Your home is your most significant investment
We build homeowners coverage that accounts for the details most agencies miss — from replacement cost accuracy to liability gaps that could leave you exposed.
Coverage options
Condo
Coverage that fills the gap between your HOA's master policy and what's actually your responsibility — interior walls, fixtures, personal property, and liability.
Renters
Protect your belongings and shield yourself from personal liability. Affordable coverage that most renters don't realize they need until it's too late.
Landlord
Protect your rental properties with dwelling fire, liability, and loss-of-income coverage designed specifically for investment property owners.
Flood & Earthquake
Standard policies don't cover these. We help you evaluate your actual risk and find the most cost-effective supplemental coverage available.
Scheduled Property
Jewelry, art, collectibles, and other high-value items that exceed standard policy limits — individually scheduled for full replacement value.
Why clients choose Geneva Insurance Group
Replacement Cost Accuracy
Most homeowners are underinsured because their dwelling coverage hasn't kept up with construction costs. We audit your replacement cost annually to make sure you're covered for what it would actually cost to rebuild.
Carrier Competition
We shop your coverage across 25+ carriers to find the best combination of price, coverage breadth, and claims reputation. You get options — not a single take-it-or-leave-it quote.
Gap Analysis
We review your full risk picture — sewer backup, ordinance or law coverage, personal liability limits, identity theft — and flag the gaps that could cost you tens of thousands in an uncovered loss.
Claims Advocacy
When you need to file a claim, we're in your corner. We coordinate with adjusters, push back when settlement offers fall short, and make sure you're treated fairly throughout the process.
Frequently asked questions
How much homeowners insurance do I actually need?
Your dwelling coverage should reflect the full cost to rebuild your home from the ground up — not your purchase price or market value. We use current construction cost data for your area to ensure your limits are accurate.
What does homeowners insurance cover?
A standard homeowners insurance policy covers six core areas: dwelling (the structure of your home), other structures (like a detached garage or shed), personal property (your belongings), liability (legal protection if someone is injured on your property), loss of use (additional living expenses if your home becomes uninhabitable), and medical payments to others. Optional endorsements add coverage for water backup, scheduled valuables, identity theft, equipment breakdown, and service line failures.
How much does homeowners insurance cost?
Average homeowners insurance in the U.S. runs $1,200 to $2,500 per year, but your premium depends on dwelling replacement cost, location, claims history, deductible, credit-based insurance score, and coverage choices. Bundling with auto typically saves 10–20%. We shop 25+ carriers to find the best rate for your specific risk profile.
Does homeowners insurance cover mold?
Most homeowners policies cover mold only when it results from a sudden, covered peril (like a burst pipe), and even then coverage is usually capped between $1,500 and $10,000. Mold from long-term humidity, leaks, or maintenance neglect is excluded. Some carriers offer expanded mold endorsements — we can compare which carriers provide the strongest mold coverage for your situation.
Does homeowners insurance cover water damage?
It depends on the source. Sudden, accidental water damage (a burst pipe, an overflowing washing machine, an ice dam) is typically covered. Gradual leaks, seepage, sewer backup, and external flooding are NOT covered by a standard policy. Sewer backup is a cheap endorsement to add ($30–$80/year). Flood requires a separate NFIP or private flood policy.
Does homeowners insurance cover roof leaks?
Sudden roof damage from a covered peril (wind, hail, fallen tree) is covered, including the leak and the resulting interior damage. Slow leaks from age, wear, or deferred maintenance are not. If your roof is over 15 years old, some carriers will only cover it on an actual cash value basis, which means depreciation reduces your payout. We help you find carriers that maintain replacement cost coverage on older roofs.
Does homeowners insurance cover foundation repair?
Foundation damage from a covered peril (a vehicle hitting your house, an explosion, a fallen tree) is typically covered. Damage from settling, soil expansion, hydrostatic pressure, earthquakes, or long-term water seepage is excluded. Most foundation problems fall into the excluded category, which is why we recommend an annual foundation inspection and, in high-risk areas, an earthquake or earth-movement endorsement.
Does homeowners insurance cover plumbing?
Sudden, accidental plumbing failures (a burst pipe, a ruptured water heater) and the resulting water damage are typically covered, but the failed pipe or appliance itself usually isn't. Slow leaks, drain clogs, and sewer line failures are excluded. A service line endorsement can extend coverage to underground water, sewer, and electrical lines from the street to your house — typically $40–$60/year.
Is hazard insurance the same as homeowners insurance?
Not quite. Hazard insurance is a sub-component of a homeowners policy that specifically covers physical damage to the structure from named perils. When a mortgage lender requires "hazard insurance," a standard homeowners policy satisfies that requirement because it includes hazard coverage plus liability, personal property, and loss of use. There's no need to buy a separate hazard policy if you have homeowners insurance.
Is homeowners insurance tax deductible?
For your primary residence, homeowners insurance is generally NOT tax deductible. Two exceptions: if you have a dedicated home office that meets IRS requirements, you can deduct the proportional share of your premium tied to that space; and if you own a rental property, the entire premium is deductible as a rental expense on Schedule E. We always recommend confirming with your CPA.
Do I need homeowners insurance?
If you have a mortgage, your lender requires it. If you own your home outright, it's not legally required — but going without is one of the highest-risk financial decisions you can make. A single fire, lawsuit, or major weather event can wipe out your largest asset and create personal liability. For most homeowners, $1,200–$2,500/year is small relative to the protection.
How often should I review my homeowners policy?
At minimum, annually — and always after major life changes like renovations, large purchases, adding a pool, or changes to your family situation. We schedule proactive annual reviews with every client.
Can you help lower my premium without reducing coverage?
Often, yes. By shopping across multiple carriers, bundling policies, adjusting deductibles, and applying eligible discounts, we frequently find ways to improve your rate while maintaining or even expanding coverage.
Related coverage
Renters Insurance
Affordable coverage for your belongings and liability — for tenants who know their landlord's policy doesn't protect them.
Condo Insurance (HO-6)
Walls-in coverage that fills the gap between your HOA's master policy and what's actually your responsibility inside the unit.
Umbrella Insurance
Extended liability protection that sits above your homeowners policy — a $1M safety net for under $400/year.
How Insurance Agents Get Paid
Transparency on agent commissions, captive vs independent compensation, and why our model produces better coverage at the same or lower premium.