Homeowners Insurance

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The importance of homeowners insurance

Homeowners insurance covers damage to your home and other property, but it also provides liability coverage for injury or damage that you or a resident family member cause to another person. At Scheff Insurance, we’ll explain your coverage, why it’s important, and help you find great rates by automatically comparing quotes from up to 20 top insurance companies. Contact us or get quotes to get started.

Homeowners Insurance - 1.5 story house with a large wrap around deck


Custom homeowners insurance plans

Get a home insurance plan customized to meet your needs. There are many valuable coverage options. We’ll help you figure out what coverage to consider, what it means, and why it’s important.

Personal Liability

Covers bodily injury and/or property damage you or a resident family member cause to another party.


Covers physical damage to your home and attached structures, like a deck.

Other Structures

Covers physical damage to structures on your property not connected to your home, like a shed.

Medical Payments

Covers minor medical bills for guests that are injured on your property, without regard to fault.

Personal Property

Covers personal possessions like furniture, electronics, clothing, and more.

Loss of Use

Covers the cost of alternative living arrangements if your home is unlivable due to a covered incident.

Scheduled Property

Covers theft and disappearance of high risk property, like jewelry, guns, coins, and more.

And More

There are even more optional coverages that might be right for you.

Common questions

Is homeowners insurance required?

Home insurance is not required by law but is almost always required by the lender when there is a loan on the property. Even if the home is paid off, you should have insurance for catastrophic losses and personal liability.

How much homeowners insurance do I need?

You’ll want to have enough dwelling coverage (Coverage A) to rebuild your home if it’s destroyed. That amount can change over time with inflation, cost of materials, and other factors. Insurance companies usually estimate this figure with a “Replacement Cost Estimator”. Details about your home are input and a replacement cost amount is returned.

Protect all you hold dear