Basic, Broad, & Special Perils Coverage

Not all homeowners policies provide the same level of protection. Understanding the differences between basic, broad, and special perils coverage can help homeowners choose the right policy for their risk exposure.

Guaranteed Replacement Cost Coverage

Guaranteed replacement cost coverage helps provide additional protection if rebuilding costs exceed your dwelling coverage limit after a covered loss. Rising labor and material costs after major storms or disasters can make rebuilding more expensive than expected. This coverage can help cover those additional costs, subject to policy terms and conditions.

Auxiliary Private Structures (APS)

Auxiliary private structures coverage helps protect detached structures located on your property, such as garages, sheds, fences, gazebos, and small outbuildings. These structures are typically covered separately from the main dwelling and may have different coverage limits. Reviewing these limits is important to ensure detached structures are properly protected after a covered loss.

Roof Settlement Options & Roof Coverage

Not all insurance companies settle roof claims the same way. Some policies provide replacement cost coverage, while others may apply depreciation based on the roof’s age and condition. Reviewing roof settlement terms, deductibles, and exclusions before a claim occurs is important to understanding how your policy responds after storm damage.

Homeowners Insurance | Hougom Insurance

Homeowners

with Hougom Insurance

Your home is one of your biggest investments, and protecting it matters. Hougom Insurance helps families and homeowners secure reliable protection for their homes, personal property, liability, and more. We work with multiple insurance companies to help you compare options, strengthen your coverage, and simplify the insurance process with local guidance you can trust.

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Homeowners Insurance Coverage

Understanding your homeowners insurance coverage is important. Below are some of the key protections included in many home insurance policies.

Dwelling Coverage

Helps protect the physical structure of your home from covered losses such as fire, wind, hail, and other unexpected damage.

Personal Liability Coverage

Helps protect you financially if someone is injured on your property or if you accidentally cause damage to another person’s property.

Personal Property Coverage

Provides coverage for personal belongings like furniture, electronics, clothing, and valuables if they are damaged, stolen, or destroyed.

Additional Living Expense

Helps cover temporary living costs such as hotels, meals, and other expenses if your home becomes unlivable after a covered loss.

Finding the right homeowners insurance can feel overwhelming, but our team is here to simplify the process. We work with multiple top-rated insurance carriers to compare coverage options, pricing, and protection tailored to your home and lifestyle.

Whether you’re purchasing your first home, reviewing your current policy, or looking for stronger protection, we’ll help you understand your options and build coverage that fits your needs and budget.

We believe homeowners insurance should provide more than just a policy, it should provide confidence and peace of mind.

Homeowners Insurance FAQ's

Replacement cost coverage helps pay to repair or replace damaged property using today’s material and labor costs without deducting for age or depreciation. Actual cash value (ACV) coverage factors in depreciation, meaning older roofs, siding, flooring, or belongings may receive reduced payouts based on age and condition. Understanding the difference between these settlement options is important because it can significantly impact your out-of-pocket costs after a claim.

Protection for the Place You Call Home

Hougom Insurance helps homeowners compare coverage options from multiple top-rated insurance carriers to help protect their home, belongings, and financial future. Whether you’re purchasing a new home, reviewing your current policy, or looking for stronger protection and better value, our independent agency is here to help.

Get a Free Homeowners Insurance Review

Our team will review your current homeowners policy, explain important coverages, and help identify potential gaps or opportunities for better value.

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Compare Rates & Coverage Options

As an independent insurance agency, we compare multiple insurance carriers to help homeowners review pricing, deductibles, liability limits, endorsements, and overall protection options.

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Homeowners Insurance FAQ's

Most standard homeowners insurance policies do not cover flood damage caused by rising water, surface water, heavy rainfall, overflowing rivers, or rapid snow melt. Separate flood insurance may be needed depending on your property location and flood exposure. Many homeowners are surprised to learn that flooding can occur even outside high-risk flood zones, making it important to understand your property’s potential exposure and coverage options.

Homeowners

with Hougom Insurance

Homeowners Insurance Coverage

Homeowners Insurance FAQ's

Basic, Broad, & Special Perils Coverage

Replacement Cost vs. Actual Cash Value (ACV)

Guaranteed Replacement Cost Coverage

Auxiliary Private Structures (APS)

Roof Settlement Options & Roof Coverage

Protection for the Place You Call Home

Homeowners Insurance FAQ's

Matching Siding & Roofing Coverage

Service Line / Sewer Line Coverage

Equipment Breakdown Coverage

Water Backup & Sump Pump Overflow Coverage

How Much Dwelling Coverage Do I Need?

What Factors Affect the Cost of Homeowners Insurance?

Is Flood Damage Covered Under Homeowners Insurance?