Home insurance

Protect the house everything else rests on.

Your home is usually the biggest thing you own. Ernest helps you understand what a homeowners policy covers, where the gaps tend to be, and how it fits with the rest of your coverage.

Start a Home quote Call 971-717-0800

Coverage options

What it can cover

A homeowners policy is a bundle of separate coverages. Ernest will walk through each one with you so the limits match your home and what's in it.

  • Dwelling

    The structure of your house, including attached features like a garage or deck, if it's damaged by a covered event.

  • Other structures

    Detached buildings on your property, such as a shed, fence or detached garage.

  • Personal property

    Furniture, clothing, electronics and other belongings, at home or sometimes away from it.

  • Loss of use

    Extra living costs, such as a temporary rental, while a covered loss makes your home unlivable.

  • Personal liability

    Protection if someone is hurt on your property or you accidentally damage someone else's property.

  • Medical payments

    Minor medical bills for guests injured at your home, regardless of who was at fault.

Often limited or left out of a standard policy. Ask Ernest whether these are available for you:

  • Earthquake coverage
  • Flood insurance
  • Landlord and rental properties
  • Water or sewer backup
  • Scheduled jewelry and valuables
  • Home business equipment
  • Higher liability through an umbrella policy

Who it's for

Is this a fit for you?

  • Homeowners who want to know what their current policy actually covers
  • People buying a home who need coverage in place before closing
  • Condo owners who need coverage for what the association policy leaves out
  • Anyone whose policy hasn't been reviewed since a remodel or a big purchase

Why an independent broker

More than one company. One advisor.

  • Several companies, one conversationErnest isn't tied to one insurance company. He works with more than 100 companies and specialty markets, so he can compare options for you.
  • Advice that works for youErnest's job is to find coverage that fits your situation, explain the trade-offs plainly, and leave the decision with you.
  • Someone to call laterWhen something changes, you call the same person who already knows your policies, and he can help you start a claim with the insurance company.

How to request a quote

Three steps, no obligation

  1. 1

    Share the basics

    Answer a few short questions in the Home quote request. It takes about a minute, and nothing sensitive is needed yet.

  2. 2

    Ernest reviews it

    Ernest reviews your request and contacts you directly by phone or email.

  3. 3

    Compare and decide

    You get options explained in plain language. There's no obligation, and coverage only starts once you confirm it with Ernest.

Start a Home quote Or call 971-717-0800

General information only. Coverage is subject to the terms, conditions and exclusions of the actual policy, and not every option is available from every company. Read the full disclosures.