Your dwelling
May help repair or rebuild your home after damage from an event covered by your policy.
For the place you call home
Home insurance for the life you build.
Your home holds more than belongings. Explore homeowners insurance with your property, everyday life, and future plans in mind.
Home Insurance
Start with the home you know best.
From a first home to a place you have made your own, your property deserves a thoughtful conversation. Velocity Protection Insurance helps you explore home insurance and make sense of the details.
Tell us about your home and what matters to you. We can discuss your questions, the information needed for a quote, and the next steps for reviewing available options.
+1 (833) 469-2195Understand your options
Coverage topics to explore.
Use these common insurance categories as a starting point for your questions.
Other structures
May protect detached structures, such as a garage or shed, against covered damage.
Personal belongings
May help replace belongings damaged or stolen in a covered event, subject to policy limits.
Personal liability
May help with covered claims involving injury or property damage for which you are legally responsible.
Additional living expenses
May help with extra living costs while covered damage makes your home uninhabitable.
Guest medical payments
May help with eligible medical expenses for someone injured on your property.
Before we talk
A little preparation.
A useful conversation.
You do not need to have every answer. Gather what you can, and bring the questions you want to work through.
- Property address, type, and approximate size
- Construction year, roof details, and recent improvements
- Current policy details and any questions about your property
- Your priorities for belongings, coverage, and budget
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Tell us what matters
Share your situation, your priorities, and what you would like to understand about protection.
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Discuss the details
Ask about available options, policy terms, and anything that needs a closer look.
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Confirm your next step
Review the information with our team and ask what is needed to move forward.
A little more clarity
Common questions.
What Types of Events Are Covered by Home Insurance?
A standard homeowners insurance policy typically protects your home and belongings against losses or damage caused by a variety of covered events, including:
- Fire
- Smoke
- Lightning
- Windstorms
- Hail
- Vandalism
- Explosions
- Theft or burglary
- Falling objects
- The weight of ice, snow, or sleet
- Damage caused by aircraft, cars, or other vehicles
Coverage can vary depending on your policy, so it’s important to review your coverage and speak with your insurance provider to make sure you have the protection you need.
What Events Are Excluded from Home Insurance Protection?
Most standard homeowners insurance policies do not cover certain risks or types of damage, including:
- Earthquakes
- Flooding
- Normal maintenance issues
- Sinkholes
- Pest infestations
- Sewer backups
- Mold
- Damage caused by pets
- War
- Nuclear hazards
- Government actions
- Rust, corrosion, or deterioration
- Power outages or failures
Coverage exclusions can vary by policy. If you’re concerned about any of these risks, talk with your insurance provider about whether additional coverage or a separate policy may be available.
Is Homeowners Insurance Required?
Homeowners insurance is generally not required by law, but having coverage is strongly recommended. Without insurance, you could be responsible for paying out of pocket for costly repairs, replacements, or other expenses resulting from covered risks, theft, or unexpected events. Additionally, mortgage lenders often require homeowners insurance as a condition of the loan.
Your next step
Let's talk about your place in the world.
Bring your questions about home insurance. Start with a conversation about your property and priorities.