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Illustrated tree-lined street with a white colonial house with a purple wreath on the front door on one side, a modern shingle house with tall black windows on the other and more homes in the distance

Home insurance

your home, rebuilt the way it was.

Fire, storms, burst pipes and break-ins. We compare the carriers built for bigger homes and stay with you through the claim.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

fire, storms,
leaks. covered.

Fire, storms, burst pipes and break-ins. Tap around the house to see what’s covered, and what isn’t.

Illustrated cutaway of a two-story house with an attached garage: a hole in the roof over the bathroom, a fallen tree across the roof above the nursery, a small fire on the kitchen stove, a purple jewelry box on a hall table, a car in the garage and a water heater beside a puddle in the basement

covered

A storm opens up the roof

Repairs to the roof and rooms below.

covered

A tree falls on the house

Repairs to your home.

covered

A kitchen fire

Repairs, plus a place to stay while you’re out.

covered

The water heater bursts

Sudden water damage, not slow leaks.

covered

A storm opens up the roof

Repairs to the roof and rooms below.

Examples. Your policy sets the details.

bad night?
make one call.

We get the adjuster out, find you a place to stay if you need one and follow the claim until it’s closed.

  1. 1. Call us first

    Tell us what happened. Photos help.

  2. 2. We get it moving

    The carrier, the adjuster and a place to stay if you need one.

  3. 3. We push it through

    Repairs and payouts, followed to the end.

the best price, without the shopping.

Tell us about your home and family once. We compare the carriers and bring back your options, side by side.

The Hale family

Hypothetical illustration, not a client

your options

$8,900a year, $3.2M home

3 options, same coverage

Option A$8,900

Option B$9,700

Option C$11,200

Greenwich, CT$3.2M rebuildAlarm systemNo claims
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about home insurance.

What is high-value home insurance?
High-value home insurance is built for larger or custom homes that cost more than a typical home to rebuild. It typically offers higher limits, replacement cost for the home and belongings, broader water and theft coverage, and claims service designed for complex repairs. Carriers that specialize in it often inspect the home to set the right rebuild value.
What is guaranteed replacement cost?
It pays to rebuild your home as it was, even if the cost goes above your coverage limit. Many high-value policies offer it, or an extended version that adds a set percentage above the limit. It protects you if construction costs rise after a loss.
Does home insurance cover flood?
Usually not. Standard and high-value home policies typically exclude flood from rising water. Flood coverage comes from the National Flood Insurance Program or private flood insurers. Water from a burst pipe inside the home is generally covered by your home policy.
Are jewelry and art covered by my home policy?
Only up to small limits in most cases. Home policies often cap theft of jewelry, watches and similar items, and the cap varies by policy. Scheduling them on a valuables policy covers each piece at an agreed value, often including loss and mysterious disappearance.
How much home insurance do I need?
Enough to rebuild the home at today’s construction costs, which can differ a lot from its market value. Custom finishes, older materials and local labor costs all matter. A rebuild appraisal from the carrier is the most reliable way to set the right number.

Insurance words, in plain English: scheduled personal property

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA