Personal Insurance

Home Insurance

Your home is likely your largest asset, and the policy protecting it shouldn't be a mystery. We compare your rate across 25 A-rated carriers and walk you through what each policy actually covers before you decide.

What it covers

Dwelling and other structures (detached garage, fence, shed)
Personal property (furniture, electronics, belongings)
Liability protection if someone is injured on your property
Additional living expenses if your home is temporarily uninhabitable
Water backup and sewer/drain endorsements (often overlooked)
Scheduled coverage for jewelry, art, and other high-value items

Who it's for

Homeowners in any of the 18 states we're licensed in, whether you're insuring a first home, a long-time family property, or shopping a renewal that just went up without explanation.

Why Firehouse

We're not captive to one carrier, so we're not incentivized to sell you the policy that pays us the most. We shop your actual risk across the carriers that write in your area, then explain the real differences in coverage, not just the premium.

Frequently asked questions

Will switching carriers create a coverage gap?

No, we time the new policy to start exactly when your old one ends, so there's no lapse in coverage.

What is a water backup endorsement, and do I need it?

Standard home policies typically exclude damage from a backed-up sewer or drain. It's a low-cost add-on that covers a genuinely common and expensive claim, worth a direct conversation with your advisor.

Does home insurance cover flood damage?

No, flood is excluded from standard home policies and requires separate flood insurance, we can help you determine if your property is in a flood zone that requires it.

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