Home Insurance

There's a lot to know about Property Insurance. From learning how it can help protect you and your assets...to choosing the right insurance company...to deciding what coverage options are right for you. Explore answers to those questions and more here. Learn how you might be able to save some money along the way with our special property discounts. Request a quote online or from your Roe Agency agent.

What Should I Consider?
Not everyone has the same insurance needs. See if one of these scenarios describes your situation.

• I'm buying or have a home.
• I've got a condominium.
• I'm renting.

Whether you rent or own your home, you've got a wide range of property insurance products and coverages to choose from at The Roe Agency.

First
Understand which coverage elements are common among most property insurance policies:

• Personal Property. To protect movable personal property, mostly within your home.  Certain coverage limits apply.
• Liability Protection. To pay for covered damages which you're legally obligated to pay.
• Guest Medical Protection. To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
• Loss of Use. To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.

Second
Consider which policy is right for your living situation:

• House 
• Condominium
• Renter

Third
Personalize your policy with additional coverages such as:

• Replacement Cost Coverage. For many of your contents (subject to applicable underlying policy coverage limits).
• Scheduled Personal Property Coverage. With increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, computers, cameras and sports equipment.
• Ordinance and Law Coverage. For example, if your home is damaged or destroyed you'd need protection to bring it up to today's code standards as it is repaired.
• And many more! See your agent for more information on the Optional Coverages available in your area..

Finally
Since most Homeowners, Condominium, Mobile Home, or Renters Insurance Policies don't cover a flood, find out if you're eligible for a Flood Insurance Policy.

To get a quote, go to the Get a Quote tool at the left hand side of this page.