Personal Insurance
Homeowners Insurance
Protect your home and personal items against fire, wind, hail, lightning, and other covered perils.
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Dwelling coverage for the structure of your home against fire, wind, hail, lightning, and other covered perils
- Other structures coverage for detached garages, fences, and outbuildings
- Personal property coverage for furniture, clothing, electronics, and other belongings inside the home
- Loss of use coverage for additional living expenses if your home is temporarily uninhabitable after a covered loss
- Personal liability coverage for third-party bodily injury or property damage that occurs on your property
- Medical payments to guests injured on your premises, regardless of fault
Who It's For
- Homeowners seeking to protect their most significant financial asset against damage and loss
- Mortgage holders required by lenders to carry adequate dwelling coverage
- Owners of newer or high-value homes where replacement costs are substantial
- Anyone who could not afford to repair or rebuild out of pocket following a major loss