Homeowners insurance

See how affordable your home owners insurance can be

Homeowners insurance, also known as home insurance, is a property insurance policy that provides coverage for a private residence. A homeowners policy typically covers losses and damages to your personal residence, as well as furnishings and certain other assets with in your home. Home insurance may also offer liability coverage against certain types of accidents that occur within your home or on your property. Most mortgage lenders require a homeowners insurance policy.

Sihle Insurance Group could help you get affordable home insurance coverage.  Combining your home and auto insurance policies could save you time and money. If you currently have homeowners insurance with another company, you could save more by getting a home insurance quote and switching to Sihle Insurance Group.

Why do I need homeowners insurance?

Who should carry homeowners insurance?

What does a homeowners insurance policy cover?

Property Damage

Most policies cover damage to your house and any permanent structures on your property for:

Personal Property

Most policies cover damage to your house and any permanent structures on your property for:
Our Personal Property Insurance calculator can help you decide how much coverage fits your situation.

Jewelry

Limited coverage for jewelry stolen from your home, (usually $500 – $2,000). You may need special coverage for things in your collection like:
We can help you with a jewelry insurance policy to cover your valuable collection.

What other risks may be covered by home insurance policy?

Could help with medical expenses or property damage to others caused by you or members of your household, including pets Personal liability could also help with legal expenses in the case of a lawsuit.

Example: A visitor trips on loose carpet in your home and gets injured; or your child accidentally throws a ball through a neighbor’s window and breaks an expensive vase.

Covers medical payments for minor injuries to people who don’t live with you but get hurt on your property.

Example: A visitor slips down your steps on a rainy day and gets injured.

Coverage for extra costs you might have to pay when experiencing a covered loss.

Example: A fire makes your home uninhabitable and you need to temporarily live somewhere else.

What isn't covered by a typical homeowners insurance policy?

Here are some examples of things most standard home insurance policies may not cover:

Earthquakes

Flooding from naturally rising water

Maintenance issues

Nuclear hazard

If you live in an area that is high-risk for any of these types of loss, you may be able to customize your
policy to get the coverage you need.

What other risks may be covered by home insurance policy?

See how affordable a homeowners insurance quote can be through the SIHLE insurance group. Check out the discount options available to save even more on a home insurance policy.

Identity Fraud Protection

This week, the top trending application is one familiar to you if you’ve been on social media. FaceApp takes a current photo of you and

Dog Driving Need Car Insurance?

Top Seven Distractions for Drivers

April is National Distracted Driving Awareness Month. While external factors are all around us (especially with the year-round construction season in Florida), we wanted to

Giving Tuesday

Giving

“We are proud to support these causes throughout the year with financial donations as well as volunteer activities. This Giving Tuesday, we encourage you to

Multi-Policy Discount

Insuring your car with us and having
a homeowners insurance policy
through Sihle Insurance Group
means you could get a discount on
your car insurance.

Home Security Systems

Alarm systems help protect your home and your wallet by giving you peace of mind and another discount opportunity.

Smoke Detector Alarms or Fire Extinguishers

Limited coverage for jewelry stolen from your home, (usually $500 – $2,000). You may need special coverage for things in your collection like:

What other risks may be covered by home insurance policy?

Get a Quote

We can help you tailor a policy to fit your needs and budget. check out the below for more information, then get your quick
and easy home insurance quote online today!

After your policy is started, you are assigned a dedicated account manager to help with your homeowners insurance servicing needs. 

Policy Service and Claims

What other risks may be covered by home insurance policy?

Renters Insurance

If you rent an apartment, condo, house, etc., you need renters insurance Get a renters insurance quote today and we’ll show you how easy and affordable it is to protect what you care about.

Condo Insurance
Your condo or co-op association’s master policy covers the exterior structure, but not what’s inside your unit. A condo insurance policy helps with an extra layer of protection. Get started with a quote today!
Mobile Home
Mobile Home Insurance
A mobile or manufactured home policy provides coverage for your home, personal belongings, and structures on the land you own. Start your mobile or manufactured home insurance quote today!
Landlord
If you own a home and rent it out, you need a specific type of homeowners insurance, called “dwelling fire” or landlord insurance. Contact a licensed agent to get a quote for this kind of policy.
Flood Insurance

Flood Insurance Is A Separate Policy With Additional Protection To A Homeowners Policy, Protecting You From More Severe Types Of Water Damage Like Heavy Rain, Melting Snow, Or Severe Coastal Storms.

If You Live In An Area At High Risk For Floods, Flood Insurance May Be
Required By Your Lender.

What other risks may be covered by home insurance policy?

You Can Reach A Homeowners Insurance Sales Agent At (844) 221-1152

Office Hours

Homeowners Insurance: Get the answers you're looking for

Are there ways I can help protect my home?
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Optio, neque qui velit. Magni dolorum quidem ipsam eligendi, totam, facilis laudantium cum accusamus ullam voluptatibus commodi numquam, error, est. Ea, consequatur.
How much homeowners insurance coverage do I need?
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Optio, neque qui velit. Magni dolorum quidem ipsam eligendi, totam, facilis laudantium cum accusamus ullam voluptatibus commodi numquam, error, est. Ea, consequatur.
How can I prevent claims at my home?
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Optio, neque qui velit. Magni dolorum quidem ipsam eligendi, totam, facilis laudantium cum accusamus ullam voluptatibus commodi numquam, error, est. Ea, consequatur.
Should I get an umbrella policy too?
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Optio, neque qui velit. Magni dolorum quidem ipsam eligendi, totam, facilis laudantium cum accusamus ullam voluptatibus commodi numquam, error, est. Ea, consequatur.
Do I need flood insurance too?
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Optio, neque qui velit. Magni dolorum quidem ipsam eligendi, totam, facilis laudantium cum accusamus ullam voluptatibus commodi numquam, error, est. Ea, consequatur.
Is there a SHILE Local Agent near me?
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Optio, neque qui velit. Magni dolorum quidem ipsam eligendi, totam, facilis laudantium cum accusamus ullam voluptatibus commodi numquam, error, est. Ea, consequatur.
Please note:
The Above Is Meant As General Information And As General Policy Descriptions To Help You Understand The Different Types Of Coverages. These Descriptions Do Not Refer To Any Specific Contract Of Insurance And They Do Not Modify Any Definitions Exclusions Or Any Other Provision Expressly Stated In Any Contracts Of Insurance. We Encourage You To Speak To Your Insurance Representative And To Read Your Policy Contract To Fully Understand Your Coverages.