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Home Insurance
Your home is your most valuable asset. We make sure it's protected against the unexpected — from fire and theft to liability and natural disasters.
Whether you own or rent, we find the right policy to protect your property and personal belongings. As an independent agency, we compare multiple carriers to get you the best coverage at the right price — with no gaps and no surprises.
Why Choose Us
The Prime Point Difference
We review your home's replacement cost to make sure you're never underinsured.
Access to multiple carriers means we find the best rate for your specific property.
Bundle with auto insurance for significant multi-policy discounts.
We explain every coverage option clearly so you know exactly what you're buying.
Claims advocacy — we're in your corner when you need to file.
By the Numbers
Common Questions
Frequently Asked Questions
Does homeowners insurance cover earthquakes?
Standard homeowners policies do not cover earthquake damage. California residents should strongly consider a separate earthquake policy or endorsement — we can help you find the right option.
How is my home's coverage amount determined?
Coverage is based on the replacement cost of your home — what it would cost to rebuild it from scratch, not its market value. We help you calculate the right amount so you're never left short.
Is renters insurance worth it?
Absolutely. Renters insurance is one of the most affordable policies available and covers your personal belongings, liability, and temporary living expenses — typically for less than $20/month.
What's not covered by a standard homeowners policy?
Standard policies typically exclude floods, earthquakes, normal wear and tear, and certain high-value items. We review your policy carefully and recommend riders or separate policies to fill any gaps.
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