Protect Your Home, Protect Your Future
Comprehensive homeowners insurance tailored to your life. Get peace of mind knowing your largest investment is covered.
Quote My Home InsuranceYour Home Is More Than Just a Building
It's your sanctuary, filled with memories and belongings that matter. State Plus Insurance offers robust homeowners policies designed to safeguard your property against damage and protect you from liability. We focus on clear coverage and helpful support, whether you own a house, condo, or rent.
Understanding Your Homeowners Coverage
Our standard policies provide a strong foundation, which you can customize.
Dwelling Coverage
Protects the physical structure of your house, including walls, roof, foundation, and built-in appliances, against covered perils like fire, windstorms, and hail.
Other Structures
Covers structures on your property not attached to your house, such as detached garages, sheds, or fences.
Personal Property
Covers your furniture, electronics, clothing, and other belongings if damaged or stolen, even when temporarily away from home (limits apply).
Personal Liability
Protects you financially if you're legally responsible for injuries to others or damage to their property that occurs on your premises or due to your actions.
Loss of Use (Additional Living Expenses)
Helps pay for temporary housing, meals, and other increased costs if your home is uninhabitable due to a covered loss while repairs are made.
Medical Payments to Others
Covers minor medical bills for guests injured on your property, regardless of fault, helping to prevent potential lawsuits.
Coverage for Various Home Types
Homeowners Insurance (HO-3)
The standard, comprehensive policy for most single-family homes, covering the structure, belongings, and liability.
Condo Insurance (HO-6)
Designed for condo unit owners, covering personal belongings, interior structures (walls-in), liability, and loss assessments from the association.
Renters Insurance (HO-4)
Protects tenants' personal belongings and provides liability coverage within their rented space.
Save More on Home Protection
Ask us about ways to lower your premium:
Why Choose State Plus for Home Insurance?
We combine reliable coverage with exceptional service.
Personalized Guidance
Our agents take the time to understand your needs and explain coverage options clearly, ensuring you get the right protection without overpaying.
Efficient Claims
Our streamlined claims process is designed to be fair and fast, helping you recover quickly when the unexpected happens.
Competitive Rates & Discounts
We offer affordable premiums and seek out all eligible discounts to provide maximum value for your insurance dollar.
Accessible Support
Whether online, by phone, or in person, we're here to answer your questions and manage your policy easily.
Common Home Insurance Questions
Get Your Tailored Home Quote Today
Protect your biggest investment. It takes just a few minutes to start your free quote.
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