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Home Insurance

Homeowners Insurance Done Right. Now.

See how effortless it is to protect what you love at a price that's right for you.

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IZC, Your Trusted Home Insurance Advisor

IZC Insurance Agency specializes in placing homeowners insurance for clients across the country. Licensed in all 50 states, our agency can cover all of your homeowners insurance needs, regardless of location. By partnering with best in class insurance carriers, we can shop multiple markets to find you the best rate for your home insurance, protecting what matters most to you.


what does homeowners insurance cover?

Homeowners insurance is a type of insurance policy that is designed to protect homeowners against various risks and losses associated with owning a home. Here are some of the things that homeowners insurance typically covers.

damage to the home

Homeowners insurance covers damage to the home caused by various risks, such as fire, windstorms, hail, lightning, and theft. This coverage may include the cost of repairing or replacing the damaged property.

Personal Property coverage

Homeowners insurance also covers personal property, such as furniture, clothing, and electronics, if they are stolen or damaged.

additional living expenses

If your home is damaged and you can't live in it while repairs are being made, homeowners insurance may cover additional living expenses, such as hotel bills and restaurant meals.

liability protection

Homeowners insurance provides liability protection, which can help protect you if someone is injured on your property or if you accidentally damage someone else's property.

medical payments

Homeowners insurance may also provide coverage for medical payments if someone is injured on your property.

It's important to note that the specific coverage and limits of homeowners insurance policies can vary depending on the policy and the insurance company. This is why it’s best to work with an agency like IZC Insurance Agency to be sure you have experts working on your behalf to ensure you have the best coverage, at the best rate.

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What's Not Covered

As with any insurance policy, there are limits to your coverage.


Home insurance generally doesn't pay for flood damage. If you live in an at-risk area, buying separate flood insurance is a good idea.


Similarly, if your home is in a seismically active region, you’ll likely need separate earthquake coverage. Home insurance policies typically don't cover “earth movement."

Wear and Tear

Insurance covers sudden, accidental damage, not everyday maintenance.

Insect or Animal Infestation

Insurers consider pest prevention part of ordinary maintenance.

Damage Associated With the Use of Your Home For Business Purposes

For this coverage, you may need a commercial policy.

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