What’s in a Homeowners Insurance Policy anyway?

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We offer a range of home insurance policies to cover you in the event of theft, water backup, personal injury and other types of losses. We not only cover your home, but also you, your family and your personal belongings.

What does Homeowners Insurance cover?

We offer a range of home insurance policies to cover you in the event of theft, water backup, personal injury, and other types of losses. We not only cover your home, but also you, your family, and your personal belongings.

Basic Homeowners Insurance Coverages

Dwelling:

Helps protect your home’s structure, built-in appliances, and wall-to-wall carpet from damage.

Contents:

Helps cover your personal property not attached to or built into your home, such as furniture and clothing.

Personal liability:

If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

Medical payments to others:

May help pay for the medical or funeral expenses of someone who is injured on your property.

Ordinance or law insurance:

May help pay to rebuild your home to current building codes after a covered loss.

Other structures:

Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage, or gazebo.

Loss of use:

Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.

Credit card coverage:

Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM cards. Also applies to forged checks and counterfeit money.

Optional Homeowner Insurance Coverages:

Identity theft:

Helps keep personal data secure amid a growing number of risks and cybercrimes.

Valuables Plus:

Provides additional coverage for high-value items such as jewelry, watches, antiques, and fine art.

Replacement cost plus:

Can pay up to an additional 20% of your property coverage limit if your home needs to be rebuilt after a loss.

Water backup:

Expands coverage if water backs up through your sewer or drains, or your sump pump overflows.

Earthquake:

Provides additional coverage for earthquake damage. A separate deductible applies.

Flood insurance:

This option protects your house and its contents from flood damage. It is a separate policy with its own deductible.

Testimonials

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"I work as a lender and my staff sees a lot of homeowners insurance policies. When my personal homeowners policy went through the system from the purchase of my home, my staff said its the lowest premium they had ever seen. Not to mention they got it within minutes.. Highly recommend Jared at Hill Insurance."
Clair Semrad

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"I love it that every time we come in Jared makes the insurance process so much easier than it would be on our own! He explains everything so clearly and helps us save money! Totally recommend anyone that has any insurance needs to come see him, he's awesome!"
Denise Rivera

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"Jared is awesome and super easy to work with I recommend hill insurance to everyone. Insurance is a nightmare but he makes it easy."
Jared Obrien

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"I've been working with Jared Richards for close to 15 years that should say enough... They have been outstanding to work with. Anytime I have any questions they're always there to answer for me I will continue to use them for a long time if I can give them a 10 star rating I would."
Jared Clingo

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"I want to compliment Cory at Hill Insurance, on my meeting with her on March 1st. She was extremely helpful and patient with all my questions. It was very obvious she wanted to give us the best rates/discounts possible, plus she made sure I understood everything. A JOB WELL DONE! A 10 star employee! Great place to shop home and auto insurance as well as any and all commercial needs!"
Chelsea Ricks

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"Jared takes the time to listen to his clients and watch out for their best interest. I've seen him help his clients really make an educated choice about what insurance plan they need and then walking them through the process when they experience damages. A super straight agency."
Steve P.

Get Customized Insurance

Insurance can be complicated. Have one of our experts to help you. If business hours (9:00 am to 5:00 pm, Monday to Friday), call us to our office phone number (801) 226-0606 and talk to an insurance expert. For after hours, please fill the form and we will contact you as soon as possible.