Homeowners Insurance

At University Insurance Group (UIG), we understand that your home is more than just a structure; it's where life's treasured moments unfold. Our mission is to protect your sanctuary and give you the confidence that, come what may, your haven and possessions are secure. With comprehensive Homeowners Insurance, we ensure that the unforeseen never steals the comfort of your hearth.

Dwelling Coverage

This is the core of your Homeowners Insurance policy. Dwelling coverage protects the structure of your home, including the walls, roof, and foundation, from damage caused by events like fire, windstorms, hail, or vandalism. It ensures that if your home is damaged, the cost of repairs or rebuilding is covered.

Personal Property Coverage

Your home is filled with things that make it uniquely yours, from furniture to electronics and clothing. Personal Property Coverage protects these belongings if they are damaged, destroyed, or stolen due to a covered event. Whether it's a burst pipe or a break-in, this coverage helps you replace what you've lost.

Liability Coverage

Accidents can happen, and if someone is injured on your property or you accidentally damage someone else's property, you could be held responsible. Liability coverage protects you from the financial burden of legal fees, medical bills, and damages if you're found liable. It’s an essential part of your policy that offers peace of mind.

Additional Living Expenses (ALE)

If your home is severely damaged and becomes uninhabitable due to a covered event, ALE coverage helps pay for temporary living costs. This includes expenses like hotel bills, restaurant meals, and other living expenses while your home is being repaired or rebuilt.

Flood and Earthquake Insurance

Standard Homeowners Insurance policies typically do not cover damage caused by floods or earthquakes. However, at University Insurance Group, we offer additional coverage options for these specific risks, ensuring your home is protected no matter where you live or what nature brings.

The Pillar of Stability in Your Home

Homeowners Insurance isn't just a precaution—it's a fundamental layer of stability for your most significant investment. Your home shelters your dreams, anchors your memories, and reflects your hard work. Adequate insurance coverage means you can rest assured, knowing that should the unexpected occur, you can rebuild, replace, and recover without devastating financial impact. It's about protecting the lifestyle and legacy you've painstakingly established.

Start Protecting Your Home Today

Don’t wait until it’s too late to protect your home. At University Insurance Group, we’re here to help you find the right Homeowners Insurance policy that fits your needs and budget. Contact us today to learn more and get started on protecting your home and everything in it.