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For every home, there’s a plan.

Reliable coverage designed to safeguard what matters most.

Homeowners Insurance
What is homeowners insurance?

Homeowners insurance helps protect your home and everything in it from the unexpected.

It typically covers your dwelling, personal belongings like furniture and electronics, and includes liability protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.

In many cases, it can also help pay for additional living expenses if a covered event — like a fire or storm — makes your home temporarily unlivable.
 

At Smallwood Insurance Agency, we’ll help you customize a policy that fits your needs, so you can enjoy true peace of mind knowing your home and belongings are protected.

What does a homeowners policy cover?

Coverage can vary depending on your location and policy, but most standard homeowners insurance policies help cover damage caused by:

  • Fire and smoke

  • Theft or vandalism

  • Windstorms or hail

  • Falling objects

  • Frozen or burst plumbing

  • Water damage from appliances, heating, or cooling systems
     

Your policy can help pay for repairs or replacement costs so you can recover faster when the unexpected happens.

What does homeowners insurance typically not cover?

While homeowners insurance covers many types of damage, it doesn’t protect against everything. Common exclusions include:

  • Flood or earthquake damage

  • Normal wear and tear

  • Water back-up or seepage

  • Damage from lack of maintenance

  • Business-related losses

  • Freezing if heat isn’t properly maintained

  • Damage while the home is vacant or under construction
     

Every policy is different, so it’s important to review your coverage and exclusions carefully. A Smallwood Insurance agent can help you understand what’s included and what additional protection you may need.

Start your homeowner's insurance policy today with Smallwood Insurance.

Find the right policy tailored to your needs and budget.​

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How to get started with homeowners insurance at Smallwood
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Find the right coverage
Your home is unique — your insurance should be too. Our agents work with you to build a policy designed around your needs and your home.
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Start your policy
We make getting coverage simple. From quote to policy, our team ensures a smooth process so you can feel protected faster.
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Maintain your protection
Life moves fast — and your insurance should keep up. We’ll help you review and adjust your policy as your home and lifestyle change.
How a Smallwood Agent Helps Protect Your Home
Your local Smallwood agent takes time to understand your unique needs and help you get the coverage that fits your life.
 

  • Explain your home insurance options clearly

  • Find discounts to help you save

  • Guide you through the claims process

  • Recommend additional coverage like life insurance for extra peace of mind

Coverage for Every Type of Home
Condo Insurance
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Renters Insurance
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We offer quality protection for homeowners, renters, landlords, and more — so you can find coverage that fits where you live.

Protect your home with coverage you can trust.

Experience reliable service and personalized support from Smallwood Insurance.

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