Home Insurance

Your home is a lifetime investment. More than just shelter, it’s the place where your life happens. While protecting that investment is essential for peace-of-mind, the different coverage options and policy features can be confusing and overwhelming. Agents are ready to help answer your questions and help determine your home’s insurance needs.

*Please note that home coverage does not include flood insurance. Please see the flood insurance section for more information.

Components of Home Insurance

Home insurance policies are broken into five different coverage areas as described below:

Dwelling and other structures – An essential part of any home’ policy is the portion that covers the main dwelling. Getting the right amount of coverage for this part can be tricky. It’s not always the amount that you paid for the house. Our experienced insurance agents can advise what amount is right for you.

The dwelling coverage can also be extended to structures that are separated from the main dwelling by clear space – things like a detached garage, a storage unit, a fence or a gazebo. Pool cages remain an exception to this, as most companies exclude them unless otherwise requested. It is the policy of Ted Todd Insurance to recommend a company we know will cover your pool cage or screen enclosure.

Personal Property

The things you put inside your house – electronics, furniture, clothing and more – are also major investments. Your home policy can protect these items in case of fire, theft or other loss events.

Liability Insurance

This coverage protects you from the financial risk of accidents that happen on your property, as well as injury or damage you or your family might cause away from your property. This coverage can also help provide legal services for such a case, should the need arise. Our agents can help you determine the level of liability insurance you might need to protect your financial well-being.

Medical Coverage

This coverage can reimburse medical expenses incurred by guests who have had an accident on your property.

Factors that affect your insurance premium:

One of the first questions new clients ask us is how the price of their insurance coverage is determined. There are a great number of factors that go into the calculation, but we try to work with all of our clients to maximize their benefit among factors they can control. Below are some of the things that have a major impact on your premiums:

  • Age of your home and its updates
  • The age of your roof
  • Type (tile, metal shingle) and Shape (hip, gable) of roof
  • Personal claim history (Major losses?)
  • Continuous insurance coverage – do you have any gaps in your insurance history?
  • The area of town you live in
  • The proximity of your home to water (Distance from water typically lowers the premium)
  • Your home’s distance from a fire hydrant or fire station
  • The coverage limits you choose for both dwelling and personal property
  • The deductibles you choose (Higher deductible = lower premium)
  • Discounts and credits available (i.e. wind mitigation and

Our agents will work closely with you to make sure your policy provides the coverage you need while fitting into your budget.