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Homeowners Insurance

We compare homeowners insurance quotes for you

When you get a quote from the Valento Insurance Agency, you’re actually getting a comparison of quotes from up to 30 top insurance companies. Save yourself the time and hassle of comparison shopping for insurance – we’ll do it for you!

Home Insurance Coverage

Personal Liability

Covers you for the cost of damages and injuries caused to another person.

Dwelling & Other Structures

Pays to repair or rebuild your home and other structures on your property, like a detached garage. 

Medical Payments

Pays for minor medical bills for guests that are injured on your property.

Loss of Use

Pays for alternative housing when your home is not usable due to a covered loss.

Personal Property

Pays to replace your personal property like clothes, furniture, electronics, and more.

Jewelry & Valuable Items

Pays to replace certain classes of valuable items, like jewelry and art, that have lower limits on standard homeowners insurance.

And More

There are a variety of coverage options that can be added to your policy based on your unique needs.

Home Insurance Information

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Questions to ask your agent

Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

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