Home Insurance

Protect your biggest investment

Protect your biggest investment

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

Savings even a couple of hundred of dollars when you start a policy could cost you THOUSANDS after diaster strikes.  It's too late then to buy what you wish you had.

These questions are crucial to address because the best insurance companies know they earn their reputation after a disaster strikes. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:

  1. Your agent took the time to make sure you have the right protection.
  2. Reno Agency has your back.
It will never happen to you.  Are you sure?

It will never happen to you.  Are you sure?

Your homeowner’s coverage provides property coverage for things like your dwelling, any other structures on your premises and the stuff inside all buildings. 

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You buy insurance for the "big stuff"

You buy insurance for the "big stuff"

You could also potentially need insurance to protect you from having to pay for:

  • A tree that is blown down and punches a hole in your roof
  • A kitchen fire or a fire started in your walls by your electrical wiring
  • Hail damage to your roof
  • Medical bills for someone your dog bit 
  • A lawsuit resulting from a trampoline or swimming pool accident
  • Your garage when someone backed out without opening it completely
  • Water damage from a broken pipe
  • Clean up and damage from sewer backup or septic system failure
  • Mechanical breakdown of your furnace or air conditioner
  • Hearing aids that the dog ate right off your bedside table

When you choose the Reno Agency, you have the chance to explore all your options for insurance and protect the things that are most important to you.

Better to have it and not need it, then need it and not have it.

Better to have it and not need it, then need it and not have it.

There are many things about insuring a home that most consumers aren’t aware of. 

  • Most policies will not cover damage if water or sewage comes back into the house because of some clog like a tree root in your sewer system without buying this coverage specifically.  
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered.  You need flood insurance for this.  
  • Running a business out of your home can cause a number of gaps in your coverage.  Ask your agent if you need business insurance or if you can amend your homeowners policy to cover you. 
  • A standard homeowners policy only covers jewelry & guns, up to set limits if the loss resulted from theft.
  • You should be insuring your home for the cost to rebuild not what you would sell it for.  Those two figures can be drastically different.  Are you covered?
  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.
What types of homes can we insure?

What types of homes can we insure?

  • Site-built homes
  • High-Value, custom homes
  • Manufactured homes
  • New construction - dwellings under construction
  • Mobile homes on acreage
  • Duplexes with the owner living on one side
  • Multiple family dwellings up to four family units
  • Townhouses
  • Cottages or Seasonal Homes
  • Homes you rent to others for a few weeks a year

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.

Contact us today, and we'll help you protect what matters most.