Looking to protect your biggest investment?
As a homeowner, you know that your home is a lifetime investment. Not only is it a place to shelter yourself and your family, but it's also where all of your life happens. That's why protecting your home with the right insurance policy is so important.
Find a home policy that fits your life
As a homeowner, you know that your home is a lifetime investment. Not only is it a place to shelter yourself and your family, but it's also where all of your life happens. That's why protecting your home with the right insurance policy is so important.
However, with all of the different coverage options and policy features out there, it can be confusing and overwhelming to try to figure out what you need. Our experienced team at Beaulieu Family Insurance is ready to answer all of your questions and help you determine exactly what homeowners insurance coverage you need.
Don't wait until it's too late—contact us today and let us help you protect your most valuable asset.
Coverage for every kind of home
Whether you own a house, a condo, or rent your place, we'll build the right protection around your home and the life inside it.
Homeowners
Condo
Renters
Landlord & Rental
Dwelling Fire
Liability Protection
Home insurance questions, answered
What is homeowners insurance?
Homeowners insurance is a type of property insurance that covers your home and belongings in the event of a covered peril such as damage or theft. It can provide liability coverage if someone is injured on your property, or reimbursement for living expenses if you are not able to live in your home. There are different levels of coverage available, so it's important to talk to our team to figure out exactly what you need.
How much does homeowners insurance cost?
The cost of homeowners insurance varies depending on a number of factors, including the value of your home, the amount of coverage you need, and where you live. That's why it's so important to work with an experienced agent who can help you find the right policy for your needs.
How much home insurance do I need?
Enough to fully rebuild your home at today's construction costs — not what you paid for it or its market value. Building costs have climbed sharply, and underinsured homes are one of the most common surprises after a loss. We review your replacement cost every year to keep your coverage in step.
How does the claims process work?
Call us first, before you call anyone else. We help document the damage, file the claim, and advocate for you if the initial offer doesn't match what you're owed. Having a local agent in the loop usually means a faster, cleaner claim.
Related homeowners insurance terms
A few terms worth knowing as you compare coverage options:
- Dwelling coverage — Covers the structure of your home.
- Other structures coverage — Covers structures on your property like a detached garage, shed, or fence.
- Personal property coverage — Covers your personal belongings.
- Liability coverage — Provides protection if someone is injured on your property.
- Replacement cost coverage — Covers the cost of rebuilding your home if it is destroyed.
- Actual cash value coverage — Covers the cost of rebuilding your home minus depreciation.
- Deductible — The amount you pay out-of-pocket before your insurance policy kicks in.
- Premium — The amount you pay for your homeowners insurance policy.
- Policy limit — The maximum amount that your homeowners insurance policy will pay out.