Personal Home Coverage
Homeowners Insurance to Protect What Matters Most
Homeowners Insurance
to Protect What
Matters Most
Your home is one of your most valuable assets. Solara helps you
explore homeowners insurance options through trusted carriers to
help protect your property, belongings, and peace of mind.
explore homeowners insurance options through trusted carriers to
help protect your property, belongings, and peace of mind.
Coverage Options
Homeowners Insurance
Coverage for your home’s structure, personal belongings, liability, and additional living expenses.
Flood Insurance
Separate coverage to protect your home and belongings from flood damage — standard policies often exclude floods.
Umbrella Insurance
Extra liability coverage that goes beyond the limits of your homeowners policy for added protection.
About Homeowners Insurance
Coverage for Your Home, Property, and Liability
Homeowners insurance helps protect you financially if your home is damaged, your belongings are stolen, or someone is injured on your property. It’s designed to help you recover from unexpected events without bearing the full financial burden alone.
Solara works with multiple carriers to help you find homeowners coverage that fits your home and your budget. We guide you through the process so you can make informed decisions.
Who This Is For
- First-time homebuyers
- Existing homeowners reviewing their current coverage
- Those who recently purchased or refinanced a home
- Homeowners looking to compare carrier options
- Anyone wanting to better understand their coverage
Coverage Overview
What Homeowners Insurance Can Help Cover
Coverage types and availability vary by carrier and state. Here’s a general
overview of common homeowners insurance coverages.
overview of common homeowners insurance coverages.
Dwelling Coverage
Helps pay to repair or rebuild your home structure if damaged by a covered event like fire, wind, or hail.
Personal Property
Helps cover the cost of replacing personal belongings like furniture, electronics, and clothing if stolen or damaged.
Liability Protection
Helps protect you financially if someone is injured on your property or you accidentally damage someone else's property.
Additional Living Expenses
Helps cover temporary housing and living costs if your home becomes uninhabitable due to a covered loss.
Other Structures
Covers detached structures on your property such as garages, fences, or sheds.
Natural Disaster Coverage
Depending on your policy, coverage may extend to certain weather-related events. Ask about available options.
Coverage availability, terms, and pricing vary by carrier and underwriting guidelines. Contact Solara to learn more about
what options may be available to you.
what options may be available to you.
Getting Started
How to Get Your Home Insurance Quote
01
Submit Your Quote Request
Fill out a short form with your business details, industry, and coverage preferences.
02
Solara Reviews Your Options
We review your request and identify general liability carriers that may fit your business needs.
03
We Follow Up With Next Steps
Solara reaches out to walk you through available coverage options and help you move forward.
Carrier Options
Home Insurance Carriers We Work With
Submit a quote request through Solara and we’ll help connect you with the
right carrier for your home.
right carrier for your home.
Common Questions
Homeowners Insurance Questions &
Answers
Homeowners insurance generally covers your home's structure, personal belongings, liability, and additional living expenses if your home is temporarily uninhabitable. Specific coverage depends on your policy and carrier.
While not legally required, most mortgage lenders require homeowners insurance as a condition of your loan. Even if you own your home outright, coverage is strongly recommended to protect your investment.
Factors include your home's location, age, construction type, replacement cost, your claims history, credit profile, and the coverage amounts and deductibles you choose. Rates vary by carrier.
Standard homeowners policies typically do not cover flood damage. Separate flood insurance may be available through federal programs or private carriers. Ask Solara about your options.
Coverage needs depend on your home's replacement cost, the value of your belongings, and your personal liability exposure. Solara can help you think through what level of coverage makes sense for your situation.
Ready to Explore Your Home Coverage
Options?
Submit a quick quote request and Solara will help guide you through
available homeowners insurance options from our carrier partners.
available homeowners insurance options from our carrier partners.