Homeowners Insurance

Homeowners insurance is an important part of protecting your home and personal belongings. It provides financial protection in the case of certain kinds of damage or losses, such as fires, storms, theft, and more. It also helps protect you from legal liability if someone is injured at your home.

Homeowners Insurance Details

Most homeowners policies include three types of coverage: dwelling coverage, personal property coverage, and liability coverage.

Dwelling coverage helps to repair or rebuild your home if it is damaged or destroyed by a covered event.
Personal property coverage helps replace any of your personal belongings that have been lost or damaged in a covered event.
Liability coverage helps protect you from legal liability if someone is injured on your property or as a result of something you do.

In addition to these core coverages, homeowners insurance policies typically include additional coverage for things like medical expenses, lost wages, and other living expenses if you are forced to temporarily relocate. Some policies also offer coverage for items such as jewelry or collectibles.

When shopping for homeowners insurance, it’s important to consider the value of your home and belongings, as well as the potential risks you face. It’s also important to make sure you understand any deductibles or exclusions that could impact your coverage.

Having the right homeowners insurance policy in place can help provide peace of mind knowing that if something happens, you will be able to get back on your feet. Make sure you understand your policy and the coverage it provides so that you can rest assured that your home is properly protected.

Personal Assistance with your Homeowners Coverage

Overall, homeowners insurance is an important part of protecting your home and personal belongings. For personal assistance building the right plan for your home, and for help finding a carrier that offers low rates on the coverage you need, contact our team by calling our offices or clicking on the Check Your Rates banner above.

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Don and Megan were extremely helpful and a pleasant to work with. Highly recommend. They went above and beyond to get me insured quickly and at a really good rate.

Jojo Anaya

Friendly, helpful and great prices.

Susan Young

Our construction company recently switched over to Risk Averse Insurance. We moved all of our policies over to this company. Our agent, Don Blizzard, was amazing! He was upfront and explained everything to us so we understood what we were getting. He made the process very easy and the turn around was very fast! There were no issues! Not only did we get great deals, we got better coverage than we ever had. I would definitely recommend this company! They are the best!

Kelly Robb

I recently switched to this company this year for all my business insurances and couldn’t be happier. The service my agent Don Blizzard provides is amazing. I started recommending to all my colleagues and family. Definitely worth reaching out for quotes if you’re a business contractor. Thanks again team

Louis Litwin

Just had to file a big claim for a stolen vehicle full of all my professional equipment----the policy they wrote allowed me to get real value back for my stolen equipment so I can come back even stronger!! Big thanks to my agent Don Blizzard for doing such a great job!

Ed Sheridan

Don Blizzard is my agent with Risk Averse and he is absolutely the best. He is quick to respond with any questions or concerns I may have, gets me my certs way faster than expected, and is great at explaining things in a way that a layman can understand. I highly recommend Don and Risk Averse Insurance.

Sean Carter

Don is a great insurance guy he dose my personal and business insurance every time I call he answers and takes time to answer all my questions and guides me in the right steps

Blaine Kunselman

I have been using them for over 5 years now and I'm very happy with the service; they always do the best to get me the best and current up-to-date deals and excellent to deal with. I recommend.

Chauncey Brown Jr.

Ive worked with Don for the last few year's. When I started my buisness I knew I needed help and didn't know where to start.I knew I needed an absolute beast of an agent and every other owner/ operator I talked too said if "You don't have Don Blizzard as an agent then you dont have the best agent. "He took a chance and helped me grow my buisness to where its at today. Riskaverse is the absolute best and since starting my buisness all my insurance is through them with help from Don Blizzard. He has a way to explain it to me where I understand my coverage and exposure and the commercial side including Meghan are the absolute best at getting COI'S sent to potential clients within minutes of requesting the copy.Hands down I only go where Don goes and I know whatever policies are written and where my coverage goes my loyalty will always lay with Don.He took a chance and grew with me and I'm forever grateful to all the staff at RiskAverse for being family and buisness friendly and not looking at me as a number or a client but actually caring and finding us the best for which suits our needs.#TeamDonBlizzard #TeamRiskAverse#TeamMegan

James LeBoon

I work with Don. He has helped lots of my family and friends for their business and personal insurance. He is super responsive, honest, and hardworking to make sure you are fully taken care of in every aspect of your policy. He cares a great deal about each unique situation. I am fully confident anytime I refer Don.

Molly Eckman

Anytime I’ve needed assistance, the staff has always been accommodating. I have, and will continue to refer people here.

Allison Parasink

The best I've ever used. Don and the team make u feel protected and being able to lay your head on your pillow at night knowing you are protected is worth more than gold.

Dolans Bar

Don and his team have been great to work with and always very accessible which is important when dealing with the stress of getting your insurance set up and doing it right. Highly recommend!

Ryan Callahan

I had the best experience. Don helped me with both auto and homeowners insurance in getting us the best price with great service. Highly recommend!

Gloria McAllister

Fred Burns is the absolute best! Highly recommend!

joanne kelly

Highly recommend!

Jennifer McGonagle