Homeowners Insurance

Protect Your Home — and Everything Inside It

Your home is more than your biggest investment — it’s where your life happens. Anchor & Trust Insurance Group helps homeowners protect their property, personal belongings, and financial future with coverage tailored to your needs and budget.

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Core Protection for Every Home

A standard homeowners policy (HO-3 or HO-5) typically includes:

Dwelling Coverage (Coverage A): Repairs or rebuilds your home after covered perils like fire, hail, or vandalism.
Other Structures (Coverage B): Covers fences, garages, and sheds.
Personal Property (Coverage C): Protects furniture, electronics, and belongings — even when you’re away from home.
Loss of Use (Coverage D): Pays for temporary living expenses if your home becomes uninhabitable.
Personal Liability (Coverage E): Protects you if someone gets injured on your property or you damage someone else’s property.
Medical Payments (Coverage F): Covers small injuries to guests, regardless of fault.

Customize Your Coverage with Endorsements

Replacement Cost Coverage – Ensures your home and personal belongings are repaired or replaced at full value, without depreciation.

Water Backup & Sump Overflow – Covers damage caused by backed-up drains, sewer lines, or sump pump failures (not included in standard policies).

Equipment Breakdown Coverage – Protects against sudden mechanical or electrical failure of major systems like HVAC, appliances, or water heaters.

Service Line Coverage – Pays to repair or replace underground utility lines on your property, including water, power, gas, and sewer.

Scheduled Personal Property – Adds specific protection for high-value items like jewelry, firearms, art, or collectibles that exceed basic policy limits.

Inflation Guard & Ordinance or Law – Adjusts your coverage automatically to match rising rebuild costs and covers code-required upgrades after a loss.