Secure Your Home, Secure Your Future
Experience peace of mind with our tailored homeowners insurance. Protect your most valuable asset against the unexpected. Get your personalized quote today and safeguard your tomorrow.


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Comprehensive Coverage for Every Home
Start Your Journey to Complete Protection
Ready to safeguard your home? Get a personalized insurance quote from Uplift Insurance Group today and discover how we can help you secure your most valuable asset with confidence and ease.
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Potentially Important Exclusions to Note
While our homeowners insurance provides extensive protection, it’s essential to be aware of certain exclusions. Always speak with a licensed agent before purchasing homeowners insurance.
Standard homeowners insurance policies usually do not cover damage caused by earthquakes. Specialized earthquake insurance policies are available for those living in earthquake-prone areas to provide this coverage.
Damage from flooding, whether from natural disasters or other causes, is not typically covered under regular homeowners insurance. Flood insurance is often available separately, especially important for those in flood-risk zones.
Homeowners insurance doesn't cover issues stemming from neglect or a lack of regular maintenance. This includes damage due to wear and tear, rust, mold, or other gradual deteriorations.
Homeowners insurance generally does not cover the mechanical breakdown of home systems (like HVAC, electrical systems) unless the cause of the breakdown is a peril covered under your policy. For broader coverage, a home warranty or equipment breakdown insurance can be considered.
Standard homeowners insurance policies usually do not cover damage caused by earthquakes. Specialized earthquake insurance policies are available for those living in earthquake-prone areas to provide this coverage.
Damage from flooding, (not to be confused with water claims) whether from natural disasters or other causes, is not typically covered under regular homeowners insurance. Flood insurance is often available separately, especially important for those in flood-risk zones.
Homeowners insurance doesn’t cover issues stemming from neglect or a lack of regular maintenance. This includes damage due to wear and tear, rust, mold, or other gradual deteriorations.
Homeowners insurance generally does not cover the mechanical breakdown of home systems (like HVAC, electrical systems) unless the cause of the breakdown is a peril covered under your policy. For broader coverage, a home warranty or equipment breakdown insurance can be considered.
Insights and Tips: Stay Ahead with Our Blog
Dive into our collection of expert articles, tips, and guides in the Uplift Insurance Blog. From uncovering savings secrets to understanding your coverage better, our blog is your resource for staying informed and making smart insurance decisions. Explore now to enhance your insurance knowledge.
Frequently Asked Questions
Homeowners insurance generally covers damage to your home’s structure, personal belongings, liability protection, and additional living expenses if you’re temporarily unable to live in your home due to a covered loss. This includes protection from events like fires, theft, and certain natural disasters.
The cost of your homeowners insurance is influenced by several factors, including the value of your home, its location, the age of the property, the type of construction, and your claims history. Additional coverage options and deductibles also play a role in determining your premium.
Standard homeowners insurance policies do not typically cover floods, earthquakes, routine wear and tear, or intentional damage. Separate policies or additional coverage may be required for these types of risks.
There are several ways to lower your premium, such as increasing your deductible, updating your home’s security and safety features, maintaining a good credit score, and bundling your homeowners insurance with other policies. We can review your specific situation to identify potential savings.
While there may be no lender requirement for insurance if your home is paid off, homeowners insurance is still highly recommended. It provides essential financial protection against a range of potential risks and losses, safeguarding your investment in your home.
