Home Insurance

Every home is unique. That’s why we don’t believe in cookie-cutter insurance. We offer customizable coverage that fits your lifestyle. Let’s explore what could be included in your standard homeowners policy.

Repairing/rebuilding your home and other structures – Home insurance can cover the cost to repair or completely rebuild your house and other structures that may have been damaged as a result of fire, wind, hail, tornadoes, falling trees/limbs, ice dams, roof damage, and other perils. Probably not a zombie apocalypse, but we can look into that for you.

Example: It snows a bunch, and your roof caves in. The snow then falls into your house damaging your walls, cabinets, and countertops. Your homeowners insurance covers all these damages.

Temporary living expenses – If your home is damaged to the point where it is unlivable during repairs, your homeowners insurance covers hotel stays and even meal expenses above what you’d normally pay for groceries, up to your policy’s limits.

Example: A tree crashes through your roof, and you suddenly have to spend $2,500 to stay two weeks at a hotel and pay for your family’s meals. You could be covered for the entire bill, up to your policy’s limit.

Injuries and lawsuits against you – Personal liability can cover property damage or injuries that you or your family members could be held legally responsible for. There are even extra coverages you can add
for libel, slander, or other lawsuits. The coverage generally follows you all over the world as well – like your luggage.

Your stuff – Things like furniture, clothes, electronics, appliances, tools, and other personal belongings are usually covered. For more expensive, luxury items, such as jewelry or art, you might need to add
separate coverage for extra protection. Don’t forget to add your first edition Spider-Man comic book or Princess Diana Beanie Baby to your policy. Who knew your childhood favorites would be worth so much?

We believe you can never be too careful. That’s why we offer additional coverages to help you feel even more secure. Think of these as the elbow pads of home insurance.

Water back up – This type of coverage provides protection for non-pressurized pipe systems. In the event of a sump pump/sewer system back-up, and there’s overflow, you really don’t want to be left cleaning up sewer
water. Leave it to us, we have people.

Service line coverage – This helps protect homeowners if pipes or wiring on their property are damaged. This coverage will help cover the costs of repairing the damaged service lines and pipes you are legally responsible for.

Equipment breakdown – This helps to cover damages caused by covered internal forces, such as power surges, electrical shorts, mechanical breakdowns, operator error, and more. *Coverage applies to your
computer only, not software.

Refrigerated property coverage – This protects your personal property stored in freezers or refrigerators on the residence premises caused by loss of power to the refrigeration or freezer unit. *Coverage applies only if you have maintained the refrigeration unit in working condition immediately prior to the loss.

Historic homes come with uniqueness, character, and quirks. If you own a historic home, you know exactly what we’re talking about. Typically, historic homes can be more expensive and trickier to insure than newer homes due to insurance companies seeing them as ‘high risk’. Learn more about insuring your historic home.

You might have heard that some insurance companies won’t allow your furry friend on your homeowners policy just because of their breed. It is not uncommon for some insurance companies not cover damage from large dog breeds, such as Pit Bulls, Rottweilers and Dobermans, or those that have a reputation for being ‘aggressive’. But at Prosper, we’re able to find you options that won’t make you compromise your coverage or rate due to your pup’s breed. Learn more about how we help our clients (and their pups!) find the perfect insurance.