Personal Insurance
Home & Renters Insurance
Homeowners, condo, and renters policies that protect your property, your belongings, and your liability. Knox Insurance shops across top carriers to find the right coverage at competitive rates — whether you own or rent.
20+
Carrier partners
Policy Types
Coverage for Every Living Situation
Single Family Homes
Condos & Townhomes
Renters
Landlord / Rental Property
Manufactured Homes
Vacation & Second Homes
Coverage Highlights
What Home Insurance Covers
A homeowners policy is a package of coverages that protect your home, your belongings, and your liability. Here's what each part does.
Dwelling Coverage
Covers the structure of your home — walls, roof, foundation, built-in appliances, and attached structures like a garage. Pays to repair or rebuild your home after damage from fire, wind, hail, lightning, and other covered perils.
Other Structures
Covers detached structures on your property — fences, sheds, detached garages, guest houses, and pool equipment. Typically set at 10% of your dwelling coverage amount.
Personal Property
Covers your belongings inside the home — furniture, electronics, clothing, appliances, and more. Pays to repair or replace your possessions if they're damaged or stolen, even when you're traveling.
Liability Protection
Covers you if someone is injured on your property or if you accidentally damage someone else's property. Pays for legal defense costs, medical bills, and settlements — typically starting at $100,000 and available up to $500,000+.
Loss of Use / Additional Living Expenses
If your home is uninhabitable after a covered loss, this coverage pays for temporary housing, hotel stays, meals, and other living expenses while your home is being repaired or rebuilt.
Medical Payments to Others
Covers minor medical expenses for guests injured on your property — regardless of fault. Pays for doctor visits, stitches, or emergency care up to the policy limit, typically $1,000–$5,000.
Earthquake Coverage
Standard homeowners policies exclude earthquake damage. Standalone earthquake policies or endorsements through specialized carriers protect your home and belongings from seismic events — essential in earthquake-prone regions.
Flood Insurance
Flood damage is excluded from standard home policies. Separate flood coverage through the NFIP or private carriers protects against rising water, storm surge, and flash flooding — even in moderate-risk zones.
Scheduled Personal Property
Standard personal property coverage has sub-limits on high-value items like jewelry, watches, art, firearms, and collectibles. Scheduling these items provides agreed-value, all-risk coverage with no deductible.
Water Backup & Sump Overflow
Covers damage caused by water backing up through sewers, drains, or sump pumps — one of the most common homeowner claims and typically excluded from base policies without this endorsement.
Home Business Coverage
Standard home policies provide little to no coverage for business equipment or liability. If you run a business from home, an endorsement or separate policy protects your business property and professional liability.
Umbrella Liability
Additional liability protection above your home and auto policy limits. If a serious injury on your property results in a lawsuit exceeding your homeowners liability, an umbrella policy provides an extra layer of financial protection.
Renters Coverage
Renters Insurance
Your landlord's insurance covers the building — not your belongings. Renters insurance is affordable protection that covers your personal property, your liability, and your temporary living expenses if your apartment becomes uninhabitable.
Personal property coverage for furniture, electronics, clothing, and valuables
Liability protection if someone is injured in your apartment
Loss of use coverage for temporary housing after a covered event
Protection against theft — even if your belongings are stolen from your car
Typically costs $15–$30 per month — one of the most affordable policies available
Often required by landlords and property management companies
$15–30
Typical monthly cost for renters insurance
100%
Of your belongings at risk without it
20+
Carrier options we compare
Fast
Same-day coverage available
Are You Properly Covered?
Many homeowners are underinsured without realizing it. Rising construction costs, code upgrades, and high-value belongings can create gaps in coverage.
Dwelling coverage that hasn't kept up with rebuilding costs — a total loss could leave you short by hundreds of thousands
No earthquake or flood coverage — standard policies exclude both, and they're the most financially devastating events
Sub-limits on jewelry, art, and collectibles — most policies cap these at $1,500–$2,500 without a scheduled endorsement
Water backup claims denied because the sewer/sump endorsement wasn't added to the base policy
Liability limits too low to protect your assets if someone is seriously injured on your property
The Right Policy Gives You
Dwelling coverage based on actual rebuild cost — not just market value or purchase price
Replacement cost on personal property so you get new items, not depreciated value
Earthquake and flood endorsements or standalone policies for complete protection
Scheduled coverage for high-value items at their full appraised value
Umbrella liability for an extra layer of protection above your home and auto limits
Save More
Common Home Insurance Discounts
Because we shop multiple carriers, we find the discounts you qualify for and stack them for the best rate.
Multi-Policy Bundle
New Home
Claims-Free
Security System
Fire & Smoke Alarms
Gated Community
New Roof
Pay-in-Full
Why Knox for Home Insurance?
We've been protecting homes and families since 1980. As independent brokers, we work for you — not the insurance company.
Multiple Carrier Quotes
We compare rates from Nationwide, Mercury, Safeco, Progressive, Travelers, and more. One call gets you quotes from carriers competing for your business.
Bundle & Save
Combine your home with auto, umbrella, or specialty vehicle coverage for multi-policy discounts. We find the best bundle across all of our carrier partners.
Coverage Review
We review your policy annually to make sure your dwelling coverage keeps pace with rebuilding costs and that endorsements are in place for your specific risks.
Claims Advocacy
When a tree falls on your roof or a pipe bursts in your kitchen, we help you through the claims process and advocate on your behalf with the carrier.
Get Your Home Insurance Quote
Free quotes from multiple carriers. We'll compare rates and find the right coverage for your home and your budget.