What does homeowners insurance typically cover?

Standard policies cover dwelling damage, personal belongings, liability, and additional living expenses in case of a covered loss.

Does homeowners insurance cover floods and earthquakes?

No, these require separate policies. We can help you add coverage if needed.

How can I lower my homeowners insurance premium?

You may qualify for discounts by bundling policies, installing security systems, or maintaining a claims-free history.

What happens if I make home renovations?

Significant upgrades, like adding square footage or a pool, may require policy adjustments. Let us know, and we’ll make sure you stay covered.

Protect Your Home, Protect Your Future

Comprehensive Homeowners Insurance for Every Stage of Life

Your home is more than just a place to live—it’s where memories are made, and your most valuable assets are kept. At RG Wright Insurance, we provide customized homeowners insurance that protects your property, belongings, and financial future from unexpected disasters, theft, and liability. With flexible coverage options, you can feel secure knowing your home is in good hands.

Protection That Covers More Than Just Walls

Reliable Coverage for Life’s Uncertainties

From natural disasters to everyday accidents, unexpected events can happen. That’s why we offer homeowners insurance tailored to your specific needs—ensuring you’re covered whether you own a house, condo, or rental property.

Essential Protection

Covers the foundation of your home’s security.

Dwelling Coverage – Pays for repairs or rebuilding if your home is damaged by fire, storms, or other covered events.
Personal Property Coverage – Protects furniture, electronics, and valuables from theft, fire, or damage.
Liability Protection – Covers legal expenses if someone is injured on your property.

Extra Peace of Mind

Extend your coverage beyond the basics.

Additional Living Expenses – Covers hotel and living costs if your home becomes uninhabitable.
Flood Insurance – Protects against water damage from natural disasters (typically not included in standard policies).
Earthquake Insurance – Offers financial security if your home is damaged by seismic activity.

Customizable Add-Ons

Upgrade your policy for complete protection.

Scheduled Personal Property – Additional coverage for high-value items like jewelry, art, and collectibles.
Water Backup Coverage – Protects against damage caused by sewer or drain backups.
Identity Theft Protection – Helps with recovery costs if your personal information is compromised.

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Affordable Coverage for Every Homeowner

Homeowners insurance should provide peace of mind—without breaking the bank. Our team works with top-rated carriers to find the best rates and coverage for your home. Whether you’re buying a new home or looking to save on your current policy, we’ll help you find a plan that fits your budget.

Your Questions, Answered

Homeowners Insurance FAQs

Insurance can be complex, but we make it simple. Here are some common questions homeowners ask us.

What does homeowners insurance typically cover?
Standard policies cover dwelling damage, personal belongings, liability, and additional living expenses in case of a covered loss.
Does homeowners insurance cover floods and earthquakes?
No, these require separate policies. We can help you add coverage if needed.
How can I lower my homeowners insurance premium?
You may qualify for discounts by bundling policies, installing security systems, or maintaining a claims-free history.
What happens if I make home renovations?
Significant upgrades, like adding square footage or a pool, may require policy adjustments. Let us know, and we’ll make sure you stay covered.

Get a Free Quote and Protect What Matters Most

Your home is one of your biggest investments—make sure it’s covered. Contact us today for a personalized quote and expert guidance on the best homeowners insurance for you.