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Protect Your Dream Home With a Custom Policy

Drew and Jonathan Scott are in the business of creating dream homes — and we’re dedicated to protecting them. Use our home quote tool today to build a custom policy that fits you and the unique needs of your home.

Homeowners Insurance

Simple Ways to Save on Your Home Insurance


Discounts for New Homeowners

From installing qualifying smart home devices to bundling your coverage, there are many ways you can control what you pay for your home insurance. Start your instant quote and talk to an agent to learn more about discounts you can add to your coverage.

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Renovated Home Discount

Have you completely replaced the electrical, plumbing and heating systems in your home in the last 15 years? Benefit from your hard work by adding this discount to enjoy more savings!
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Bundle and Save Even More!

Like the Scott Brothers — some things in life are just better in pairs. Another great pairing? Bundling your auto and home policies for up to 28% in savings.*

Instant Quoting for Your Customized Home Insurance Policy 

Provide basic information on where you’re located and the type of home you live in. Explore coverage options and within minutes, you’ll have a quote and the option to purchase your policy. It’s that simple.

Advice for First-Time Homebuyers

Home Insurance Basics

New to home insurance? It doesn’t have to be complicated. Your policy will be made up of the following coverage:
  • Dwelling Coverage: Protects the physical structure of your home, like your roof, walls, floor, siding and windows.
  • Other Structures Coverage: Protects structures on your property like garages, sheds, fences or pools.
  • Personal Property Coverage: Helps replace or repair items like your clothing, jewelry, appliances, furniture and electronics.
  • Loss of Use Coverage: Helps pay for expenses like hotel stays and food should your home become unlivable.
  • Personal Liability Coverage: Accidents happen. This coverage provides financial protection for property damage and injury to others.
  • Medical Expense Coverage: Helps pay medical expenses to others.
  • Optional Coverage: Gain extra protection from the unexpected and peace of mind by adding optional coverage to your policy for an additional charge. Some optional coverages include our Diminishing Deductible, hidden water damage, service line, equipment breakdown coverage and more.
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When to Get Home Insurance (Hint: Before Closing Day)

Most mortgage lenders require that a buyer has homeowners insurance before they purchase a home. They’ll request proof of insurance before they agree to closing. This is because they want to make sure their investment is protected, since they’ll technically own the title of the home until you pay off the mortgage. So unless you’re paying in cash, you’ll need home insurance before closing. Have more questions about what to expect on closing day?

Download our Printable Closing Day Checklist

Consider Adding Equipment Breakdown Insurance**

Equipment breakdown is optional coverage that protects your budget from expensive and unexpected repair or replacement costs due to home appliance failure or breakdowns. It’s only $30/year for homeowners and manufactured homeowners, way less than the premium for a home warranty, which sometimes ranges above $500 annually. Equipment breakdown coverage is an affordable, easy way to protect your everyday appliances like:

  • Heating and cooling units, including furnaces and water heaters
  • Well pumps
  • Electrical systems
  • Home security systems
  • Refrigerators, ovens and stoves
  • Washers and dryers
  • Swimming pool equipment and garden tractors
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Get an Instant Quote Today

Take control of what you pay for home insurance and instantly see what’s included in your homeowners policy. Get started with our home quoting tool today.

*Discount and saving amounts and eligibility will vary. Some restrictions apply. Discounts may vary by state, property policy form and company underwriting the homeowners policy. Discounts may not apply to all coverage on a property policy. Discounts do not apply to a life policy.

**Coverage provides protection should appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems sudden breakdown. Does not provide coverage for breakdown caused by normal wear and tear. Coverage applies once a $500 deductible has been met.