Homeowner Insurance

There’s a lot to know about Property Insurance. From learning how it can help protect you and your assets… to choosing the right insurance company… to deciding what coverage options are right for you.

Explore answers to those questions and more with your qualified Brooke Insurance agent. You can even learn how you might be able to save some money along the way with our special property discounts.

Request a quote on-line or call any office and let us help you with your insurance needs, whether it is for a rental, condominium, town home, single family, new construction, or existing construction.

Let Brooke Insurance help you learn about choosing the right policy to help protect you and your assets. Our trained agents know what types of coverage there are for you and can help you save money along the way.

Home Insurance: Why do I need this insurance?

It's where you live and where your possessions are. Chances are, it's your greatest asset. But more than possessions and assets, it's your home… 

and you need to protect it.

Property Insurance helps provide peace of mind when:

Bad things happen. Simply put, insurance provides a safety net for you and your family when certain unfortunate events happen like theft, fire, burglary and vandalism…You need liability and guest medical protection too. For example, if your neighbor slips and falls in your kitchen, you might need this coverage to help pay for medical expenses.

You need to replace, repair or rebuild. If your home were destroyed by fire today, you'd need the financial resources to replace or repair it.

Your lender requires it. When you buy your house, you'll probably need to provide your policy "in hand" at your closing. If you're building a new home, you may need to have special coverage while your new home is being built.

You have special items. Protect more than your home; protect special items such as jewelry, silverware, business property, cameras, cellular phones and more with extended coverage options.

Protect your assets, possessions, home and your family with insurance. Call any office or contact us online to better understand what coverages are right for you and what discounts and savings may be available.

Home Insurance: What should I consider?

Depending on where you live: a house, condominium, mobile home or an apartment, you'll probably have different insurance needs. Your situation is unique and your insurance should reflect what's right for you.

What are my Home Insurance coverage options?

Whether you rent or own your home, you've got a wide range of property insurance products and coverages to choose from.

First, understand which coverage elements are common among all property insurance policies:

Personal Property -
To protect movable personal property, mostly within your home. Certain coverage limits apply.

Family Liability Protection -
To pay for covered damages which you're legally obligated to pay.

Guest Medical Protection -
To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.

Additional Living Expenses -
To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.

Second, consider which policy is right for your living situation:

Third, personalize your policy with additional coverages such as:

Replacement Cost coverage for many of your contents (subject to applicable underlying policy coverage limits).

Scheduled Personal Property coverage with increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, cameras and sports equipment…

Increased building code coverage. For example, if your home is damaged or destroyed you'd need protection to bring it up to today's code standards as it is repaired.

Portable cellular communication systems coverage.

Satellite Dish Antennas coverage.

And many more! See your Brooke Insurance agent for more information on the Optional Coverages available in your state.

Finally, since most Homeowners, Condominium, Mobile home or Renters Insurance Policies don't cover a flood, find out if you're eligible for a Flood Insurance Policy.