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Home Insurance
Your Home Is More Than Walls and a Roof — It’s Where Life Happens
It’s your sanctuary, the place where memories are made and dreams take root. At GalvezAgency, we offer comprehensive home insurance solutions designed to safeguard what matters most.
Life can be unpredictable — fires, theft, and natural disasters can disrupt your peace and put your future at risk. With solid and reliable coverage, your home is protected against the most common threats, ensuring stability, comfort, and well-being for you and your loved ones.
Whether you’re buying your first house or protecting the legacy you’ve built, we’re here to help you move forward with confidence — every step, every moment.
What Does Home Insurance Cover?
Home insurance provides financial protection against unexpected events that could damage your home, belongings, or disrupt your life. A solid policy helps safeguard your peace of mind.
- Impact from Aircraft, Automobiles, or Other Vehicles
- Explosions
- Falling Objects
- Fire and Smoke Damage
- Lightning Strikes
- Theft
- Vandalism or Malicious Acts
- Certain Types of Water Damage
- Accumulation of Ice, Snow, or Sleet
- Windstorms and Hail
Types of Homeowner Insurance Coverage
Dwelling Coverage That Protects Your Investment
This essential coverage helps cover unexpected expenses related to the repair or rebuilding of your home when it suffers unforeseen damage or even complete destruction.
Whether it’s due to fire, storm, or another sudden event, dwelling protection provides the financial support you need to maintain your home’s stability — and safeguard the place where memories, dreams, and security live.
CoberPersonal Property Coverage That Safeguards What You Treasure
This coverage helps pay for the repair or replacement of your personal belongings if they’re damaged, lost, or stolen due to a covered event.
From furniture and electronics to clothing and valuables, personal property coverage adds an extra layer of financial security — so you can feel confident knowing the things that make your house a home are protected..
Loss of Use Coverage — Support When Home Isn’t Home
When unexpected damage forces you to leave your residence, this coverage helps pay for temporary housing, meals, and other additional living expenses while your home is being repaired or rebuilt.
It’s an essential safeguard that preserves your quality of life during stressful times — making sure you and your family have a safe and comfortable place to stay, no matter what.
Is Home Insurance Required in My State?
Home insurance isn’t legally mandatory in most states. However, if you have a mortgage, your lender will likely require coverage until the loan is fully paid off.
That said, there are powerful reasons to protect your home:
In the event of disasters like fires, tornadoes, or hailstorms, a policy offers essential financial support to repair or replace your home and belongings. The included liability coverage helps shield your personal assets from legal claims — covering expenses if you’re found responsible for injuries or property damage to others.
Additional Living Expense coverage ensures comfort and continuity by covering costs for temporary housing, meals, and other essentials when you can’t stay in your home due to repairs.
Your home is more than a structure — it’s your refugendas si se te considera responsable por daños o lesiones a terceros.
Determining the Right Amount of Home Insurance
Choosing the right coverage involves more than simply matching your home’s market value. A practical way to estimate your ideal coverage is to multiply your home’s square footage by the average construction cost per square foot in your area — a figure you can obtain from a local real estate agent, contractor, or builders association.
But true protection goes beyond the rebuild:
Replacement Value of Personal Belongings Ensure your furniture, electronics, clothing, and valuables are covered in case of damage or loss.
Additional Living Expenses (ALE) Plan for temporary housing, meals, and essentials if you’re unable to stay in your home during repairs.
Protection for Your Financial Assets Liability coverage helps safeguard your savings by covering legal costs if you’re held responsible for property damage or personal injury.