Homeowners Insurance

Home is where the heart is, and for many of us, a home is the biggest purchase we’ll ever make. It’s where we raise our families, entertain guests and build memories. It is important to protect you and your home from accidents that may occur.

At Twin Creek Insurance, we understand the importance of protecting your home—it’s your haven after a long day. As proud homeowners ourselves, we’re dedicated to helping you navigate the complexities of insuring your home, ensuring you feel confident in your coverage decisions. We take the time to understand your unique needs and potential risks, ensuring there are no coverage gaps that could lead to unexpected costs.

As a local, independent agency, we work directly with multiple insurance carriers. This allows us to quickly compare rates and coverages, finding you the best homeowners insurance for your specific needs. Whether you own a historic home, a country retreat, or an old farmhouse, we can connect you with a carrier that fits your property perfectly.

Our years of experience have shown us that shopping around makes all the difference in finding the right coverage. Here’s what a basic homeowners insurance policy from us includes:

Property Coverage: Protection for your home and any additional structures, like garages, sheds, barns, and more.

Personal Property Coverage: Covers the items in your home, typically at a percentage of the building limit. Specific categories, like jewelry, furs, or collectibles, may have limitations.

Additional Living Expenses: Coverage for costs such as temporary housing and meals if you need to relocate due to a covered loss.

Liability Protection: Helps if you accidentally cause injury to someone or damage their property.

Medical Payments: Provides coverage for minor injuries to others while on your property.

We also offer tailored coverages to further protect your home and assets. Our local insurance experts are here to help you understand nuances like coinsurance and replacement cost, and to customize your protection with additional policies or endorsements. These can include:

Valuable Articles Insurance for items like jewelry and firearms.

Water Sump and Foundation Leak Protection.

Flood or Earthquake Insurance.

Animal Liability for any injuries caused by your pets.

At Twin Creek Insurance, we recognize that every homeowner's needs are unique. That’s why we take the time to listen, understand your situation, and craft a customized homeowners insurance plan that fits you and your home perfectly.