Get comprehensive coverage with the proper limits for your home insurance today. Your home is likely the largest single investment you’ll ever make. Protect it properly with an insurance policy from the experienced brokers at HWC Insurance.

Home insurance policies are no longer just about fire or wind coverage, it is a complex agreement with numerous coverage options in the event of a loss. While today’s policies still include coverage for fire and wind, they also offer coverage for many other perils such as identity theft and overland water. And the right insurance policy will include replacement cost for the items lost or damaged.

Whether its an older home filled with a generation of memories, or a brand new, state of the art design, HWC Insurance can provide the proper insurance coverages at an affordable premium.

Contact us today for all your home insurance needs.

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Important Info for home insurance

  • Insure your home to the proper limit for replacement cost coverage.
  • Water is now the leading cause of damage
  • Many companies now offer coverage for overland water.
  • Purchasing a higher deductible can reduce costs
  • Combine your home insurance with your auto insurance for additional discounts.

Replacement Cost Coverage

Don’t reduce your costs by reducing your coverage. Comprehensive policies require limits of insurance equal to 100% of the current rebuilding cost. Your investment should be valued correctly.


Policy holders can experience some savings by assuming more risk themselves by purchasing higher deductibles. Also, with a good insurance history, many companies will waive your deductible for your first loss.

Overland Water

A new coverage for the insurance industry, the Overland water endorsement provides coverage for some water losses that were previously excluded. Contact your insurance provider today for more information.

Combination Policies

Combine our home insurance with your auto insurance for more protection at an affordable cost. Many insurance companies today offer additional coverages and discounts when you combine policies.

Home Insurance Policy Coverage

A home insurane policy includes coverages such as;


Detached Structure

Personal Property

Sewer Backup

Replacement Cost


Quote Requests

Please complete the form below to start your Home Insurance quote request and remember to visit the other pages on our website for more insurance information.