Prepare now with Home Insurance
Get a quote now, and you'll be ready for the unexpected. Dalleo Insurance Group offers homeowners insurance that cover repairs to your house, costs to completely replace something, your belongings and even extra living expenses if you have to stay somewhere else. We cover fire, wind, hail, lightning, theft and more.
Get the best homeowners insurance for you
This type of insurance combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
A Home Owners Insurance policy can help you with your peace of mind, knowing that in the event of a covered loss, your damaged home can be rebuilt and your destroyed belongings can be replaced.
Home Insurance Coverages
Your Personal Belongings
Personal possessions covers just about all of your stuff if it's damaged or stolen. This can include electronics, furniture, clothes, tools/power equipment, and more. Your items are even covered if they're not stored in your home (sheds, garages, your car, storage facilities, etc.).
Dwelling coverage pays for damage to your house and anything permanently attached to it, including your garage, roof, chimneys, attached deck, countertops, cabinets, flooring, vanities, etc.
Hotel and Living Expenses
You'll never be left homeless. If your home is damaged from a covered loss (meaning something insurance pays for) and you can't stay there, loss of use covers hotel, rent, and food expenses above what you'd normally pay.
Home Insurance Policies
Homeowners insurance is designed to protect your home from what are called “perils.” A peril is your exposure to risk or something that causes loss or destruction. As a homeowner, you can typically purchase three different types of home insurance policies. They are:
Homeowners 1 (HO1): With this policy, your property is covered against 11 basic perils.
Homeowners 2 (HO2): This policy protects your property against 18 perils (including 11 perils from Homeowners 1).
Homeowners 3 (HO3): With this policy, your property is protected against most known perils, including some that are not covered by Homeowners 2.