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Because it's your largest investment and  where memories are made

Get coverage designed to protect your home

Home insurance is more than quality coverage for your space. With access to innovative tools, money-saving discounts and personal support from your agent, it’s easy to make sure you’re covering all your bases. Let us help you shield your home.

What is homeowners insurance?

Homeowners insurance is intended to fix, replace or restore the value of what you already have if it is destroyed due to any number of reasons (under coverage).
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Bundling Discounts
Smart Monitor Discount
Home Buyer Discount
Loss-Free Discount
Green Home Discount

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Homeowners Insurance Coverages

There are basically six different types of coverages. Some may be required. Others are optional.


dwelling coverage

protects the structural components of your home from damage and covers in the event of damage to the home that impacts walls, floors, ceilings, home systems, and more.

other structures

other structures coverage

covers structures independent of your home, like fencing, detached garages, swimming pools, sheds, driveways and more.

personal property

personal property coverage

protects the belongings found within the home that don’t fall outside the stipulations in the policy, such as items in certain categories or that are too valuable and need their own policies.

loss of use

loss of use coverage

covers additional living expenses, including housing expenses and in-excess of normal food costs when the insured property cannot be used. It can also cover lost income from rental properties that are unlivable.

personal liability

personal liability coverage

protects a homeowner from financial responsibilities of paying for a property or medical bills resulting form property damage or injury from the accidents caused by the homeowner or a member of their household.

medical payment

medical coverage

pays for medical bills of a person injured on the insured property.

What sets PCFG Insurance apart?

● You get personalized service

● You get your claim handled promptly

● Coverage established to make you whole again in the event of a loss
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Frequently Asked Questions

I lost my passport

Identity theft coverage is available in most states as an optional endorsement on a homeowner's insurance policy, and it is important to understand the benefit of purchasing this extra coverage. Ask your agent to see if you're covered.

Medical payment

Medical payments to others coverage reimburses you for medical expenses related to guests' bodily injuries inside of your home, regardless of who is at fault.

Damage That Homeowners Insurance Won’t Cover

Not everything is covered in your basic homeowners policy. In fact, the following will not be covered in a standard insurance policy: -Flood damage -General wear and tear -Cracked driveways -Insect damage -Damage from earthquake -Paint fading from sunlight -Removing a tree from your property If you live in an area where any of these situations is a potential threat, you can always add the proper coverage to your insurance. Just talk to your agent and they’ll handle it.

My expensive laptop is stolen

Homeowners insurance may help cover theft and break-ins. There are a few coverages in a homeowners policy help you recover from a burglary: dwelling coverage, personal property coverage and other structures coverage.

Where Can I Get Homeowners Insurance?

When you start your search for homeowners insurance, it’s important to assess your needs to determine the right amount of coverage. It can be tempting to choose a policy based on price alone, but you probably won’t get the right amount of protection using that method.

Is Homeowners Insurance Required?

Your state may or may not require homeowners insurance, but your mortgage lender typically will require coverage in order to provide a home loan. Even if you own your home outright and you are not required to buy homeowners insurance, it’s still a good idea to protect your investment with an insurance policy.


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