for the ones you love

Homeowners Insurance

If you’re like most homeowners, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

Ross Insurance Brokers can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

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Homeowners insurance is vital to owning a home. Lenders require you to carry homeowners insurance to protect their investments, as well as yours.

What You Need to Know

Dwelling – Also known as your home, is considered the building at its core and is what will be covered in your homeowners insurance. It will pay for damages and/or total loss of your home in the event you have a loss.

Personal Contents – Covers ANYTHING in the dwelling, such as furniture, appliances, clothes, etc., if they are damaged, stolen, or lost in a claims situation.

Medical Payments Coverage – Covers medical bills for a person hurt on your property.

Liability Coverage – Protects your family from financial risk if they are found negligent or legally responsible for other parties injuries or damages while on your property.

Loss of Use – Covers payments for additional expenses incurred due to you being unable to reside in your residence due to a claim.

Endorsements & Additional Coverages

Here are a few other additional coverages you may want/need on your Homeowners insurance policy:

  • Scheduled Jewelry/Fire Arms/Fine Arts, etc, Protection
  • Extension to a Secondary Residence
  • Identity Theft Coverage
  • Water Back Up of Sewer or Drains
  • Tree Removal Coverage
  • Mold Limited Fungi Coverage
  • Watercraft/Jet Ski Coverage Option, Often referred to as Toy insurance
  • Business in the Home

Things to be aware of when purchasing your Homeowners Insurance policy:

  1. Estimated replacement cost – This is where we come in! We can help determine the minimum cost to replace your home. This is a key component in making sure you are adequately covered.
  2. Flood insurance coverage – not included
  3. Earthquake coverage – not included
  4. Fire insurance – not included
  5. Deductible – Pick a deductible that works for your family budget.
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A Trusted Dave Ramsey Endorsed Provider

Helping you find the right insurance plan that Dave Ramsey would be proud of.

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A Trusted Dave Ramsey Endorsed Provider

Helping you find the right insurance plan that Dave Ramsey would be proud of.

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What Our Clients Say

The team as Ross Brokers goes above and beyond when it comes to customer service. They listen and they provide the best options for their customers for different kinds of insurance policies.

Arthur Gilbreath III

I can’t say enough great things about the folks at Ross Brokers, especially Kaylie! She was so easy to work with through the process of evaluating which insurance provider worked best for my family. Kaylie was patient, supportive, and always willing to answer any questions that came up. She found me and my family a new insurance provider saving us over $400! The best part was that Kaylie and Ross Brokers did all the research and paperwork without me having to take extra time to do it myself. I highly recommend using Ross Brokers for any insurance needs; they are an invaluable part of keeping my family safe year after year.

Elyce Ladany

We have been working with Grace Ross (at Ross Insurance Brokers) to advice us on our health care plans over the years and have been fortunate to have such a friendly, knowledgable and professional agent to navigate us through the process and make informed decisions. I highly recommend Grace and Ross Insurance Brokers to help with this process.

Chad Crowe