Homeowners Insurance
& Portfolio Protection.
Your Policy is an independent national brokerage that compares top-tier carriers across all 50 states to build tailored homeowners insurance, from standard HO-3 policies to high-value asset coverage.
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What Is Homeowners Insurance?
Homeowners insurance is an HO-3 policy that protects your dwelling coverage, personal property, and liability exposure — while Loss of Use benefits cover living costs if your home becomes uninhabitable. As an independent national broker, Your Policy compares top-tier carriers across all 50 states to match limits, deductibles, and coverage to your home's actual risk.
What Homeowners Insurance Covers
A standard HO-3 policy bundles six distinct coverages into one — here's how each one protects your home, your belongings, and your net worth.
Dwelling
Your dwelling coverage pays to repair or rebuild the physical structure of your home — walls, roof, foundation, and attached structures — after fire, windstorm, vandalism, and most sudden accidental damage.
Your deductible applies per claim — e.g., a $5,000 deductible on a $40,000 roof claim means the carrier pays $35,000.
Other Structures
Other structures coverage covers detached structures — fences, detached garages, sheds — typically at 10% of your dwelling limit.
Shares your dwelling deductible; not a separate out-of-pocket cost.
Personal Property
Personal property coverage protects furniture, clothing, electronics, appliances, and other belongings if damaged or stolen — both at home and anywhere in the world.
High-value jewelry, art, or watches often need a scheduled endorsement above standard sub-limits.
Loss of Use
Loss of Use coverage — also called Additional Living Expenses (ALE) — pays for hotel stays, temporary rentals, meals, and other extra costs if a covered loss makes your home temporarily uninhabitable while it's being repaired or rebuilt.
No separate deductible — typically capped at 20–30% of your dwelling limit or a set time period.
Liability
Liability coverage protects you if someone is injured on your property or you accidentally damage someone else's property, including legal defense costs.
No deductible — pays from the first dollar of a covered claim, up to your limit. Consider an umbrella policy for higher limits.
Medical Payments
Medical payments coverage pays medical expenses for guests injured on your property regardless of fault — typically $1,000–$5,000.
Pays out separately from your liability limit, with no deductible.
Strong Carrier Relationships
We have strong carrier relationships across standard, high-value, coastal, and hard-to-place home risks — so you're matched to the carrier built for your home, not a generic nationwide rate.
Common Exclusions to Know
Standard policies typically exclude these — separate coverage available.
- Flood (requires separate NFIP or private policy)
- Earthquake (endorsement or standalone)
- Sewer backup (endorsement available)
- Wear and tear / maintenance
- Pest damage (termites, rodents)
The Homeowners Insurance Guide
Download our full guide to HO-3 coverage limits, rebuild-cost guidance, deductible strategy, and the questions to ask before you renew — built by Your Policy's licensed advisors.
Download the Guide (PDF)Coverage Matched to Your Region's Risk
A policy priced for a national average isn't priced for your address. We match your dwelling to carriers built for the risks specific to where you live.
Hurricane & Wind/Hail Risk
Coastal and Gulf-state homes are often subject to separate, percentage-based hurricane or named-storm deductibles instead of a flat dollar amount — and not every carrier prices this the same way.
- Carriers compared on wind/hail deductible structure, not just premium
- Access to coastal-specialty and surplus-lines markets when standard carriers won't write
- Guidance on wind mitigation credits (roof shape, impact windows, roof age)
Severe Convective Storms
Hail and straight-line wind events drive frequent, regional roof and siding claims across the Midwest and Plains — carriers respond to that loss history very differently by state and zip code.
- Carrier selection weighted toward hail-loss track record in your area
- Roof-age and cosmetic-damage exclusions reviewed before you're surprised at claim time
- Replacement-cost roof endorsements compared where available
Wildfire Risk & FAIR Plan Alternatives
Wildfire-exposed homes in California and other Western states are increasingly non-renewed by standard carriers, pushing owners toward state FAIR Plans by default — often without knowing better options exist.
- Private wildfire-specialty and admitted-market alternatives to a FAIR Plan reviewed first
- Defensible-space and hardening credits factored into carrier matching
- Wrap-around liability coverage layered where FAIR Plan limits are essential-only
Direct Carrier vs. an Independent Advisor
A single-carrier "box" policy is fast to buy — but it only ever offers you one company's appetite, one rate, and one claims team. Here's the actual difference.
| Criteria | Standard Direct Carrier | Your Policy Advisory |
|---|---|---|
| Carrier Selection | One company, one underwriting appetite | Dozens of national, regional & high-value carriers compared side by side |
| Coverage Customization | Fixed limits, limited endorsements | Dwelling limits, scheduled valuables, and deductibles built around your home |
| Regional Risk Matching | Generic pricing model nationwide | Carrier matched to your state's wildfire, hail, coastal, or freeze risk |
| Claims Support | Call center queue, no advocate | A named advisor who advocates through the claims process |
| Price Optimization | One quote, take it or leave it | Multiple quotes compared annually to keep pricing competitive |
Homeowners Insurance Questions, Answered
The questions we hear most from homeowners comparing coverage.
What does homeowners insurance actually cover — and what's excluded, like flood or earthquake?
How do deductibles work for windstorm, hail, or hurricane damage?
Does homeowners insurance cover hail or wind damage to my roof?
How much homeowners insurance coverage do I need for my home's rebuild cost?
Why choose an independent national agency over a single insurance company?
About Your Policy
Your Policy exists because too many homeowners end up with whatever coverage their agent's one carrier happens to offer — not what actually fits their home. We're an independent brokerage instead: licensed advisors who compare top-tier carriers across all 50 states and build your policy around your risk, your deductibles, and your goals — not a single company's rate card. No call centers, no scripts, just people who know the fine print and will walk you through it.
Ready to see how your home compares?
Get a no-obligation quote, or talk to a licensed advisor about your coverage.