Protect your home, belongings, and liability with comprehensive property coverage.
Home insurance shields your largest asset against fire, wind, hail, theft, vandalism, and liability claims arising on your property. JSI offers HO-3, HO-5, condo (HO-6), and renters (HO-4) policies tailored to regional risks from hurricanes and wildfires to winter freeze damage.
Pays to repair or rebuild your home structure. Limits should reflect full replacement cost, not market value or mortgage balance.
Covers furniture, electronics, clothing, and valuables. Consider scheduled riders for jewelry, art, and collectibles exceeding standard sublimits.
Protects when someone is injured on your property or you cause damage elsewhere. Umbrella policies add excess limits above home and auto.
Pays additional living expenses while your home is uninhabitable during covered repairs.
Flood and earthquake damage require separate policies in most states. Coastal properties may need windstorm deductibles. We review FEMA flood zones and state mandates so you understand gaps before a loss occurs.
Premiums depend on construction type, age, roof condition, claims history, credit-based insurance scores where permitted, security systems, and proximity to fire hydrants. Bundling with auto insurance often reduces total cost.
Policies exclude wear and tear, maintenance issues, and certain water backups unless endorsed. Mold, ordinance or law upgrades, and home business equipment may need additional coverage. Review declarations pages at every renewal.
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