Home Insurance
Protect the place you call home
Your home is your most valuable asset. We help you find the right homeowners coverage to protect your property, belongings, and family — at a price that fits your budget.
What does home insurance cover?
Homeowners insurance protects your home's structure, your personal belongings, and your liability if someone is injured on your property. It also covers additional living expenses if your home becomes uninhabitable after a covered loss. We shop multiple carriers to find you the best policy for your specific home and location.
Coverage options
Dwelling Coverage
Covers the cost to repair or rebuild your home's structure — walls, roof, floors, and built-in appliances — after a covered loss.
Other Structures
Covers detached structures on your property like garages, fences, sheds, and guest houses.
Personal Property
Covers your belongings — furniture, electronics, clothing, and more — if they're damaged, destroyed, or stolen.
Loss of Use
Pays for temporary housing and additional living expenses if your home is uninhabitable due to a covered claim.
Personal Liability
Protects you if someone is injured on your property or you accidentally damage someone else's property.
Medical Payments
Covers medical expenses for guests injured on your property, regardless of fault.
Water Backup Coverage
Optional add-on that covers damage from sewer or drain backup — not included in standard policies.
Scheduled Personal Property
Extra coverage for high-value items like jewelry, art, collectibles, or musical instruments that exceed standard limits.
Why get your home insurance through Chely?
Independent agency advantage
We compare rates from multiple top-rated carriers to find you the best coverage at the best price.
Replacement cost vs. actual cash value
We explain the difference and help you choose the right valuation method so you're not underinsured.
Local knowledge matters
We understand the risks in our area — weather patterns, local building costs, and neighborhood factors — and tailor your coverage accordingly.
Bundle and save
Combine your home and auto policies for significant multi-policy discounts from top carriers.
Frequently asked questions
Get a home insurance quote today
We'll compare top carriers and find the right coverage for your home and budget.