At wtginsurance., we understand that every home is unique. That's why we offer a comprehensive range of coverage options designed to protect your property, belongings, and loved ones from life's unexpected challenges.
Our experienced agents work closely with you to assess your specific needs and recommend the perfect combination of coverages that fit your lifestyle and budget. From basic dwelling protection to specialized add-ons, we've got you covered.
Explore our primary coverage options designed to shield your home and family from various risks and uncertainties.
Protects the physical structure of your home including walls, roof, foundation, and attached structures against covered perils like fire, storms, and vandalism.
Learn MoreCovers your belongings inside the home including furniture, electronics, clothing, and appliances. Replacement cost options available for full value protection.
Learn MoreShields you from financial responsibility if someone is injured on your property or if you accidentally damage someone else's property.
Learn MoreCovers temporary housing, meals, and other costs if your home becomes uninhabitable due to a covered loss while repairs are being made.
Learn MorePays for minor medical expenses if a guest is accidentally injured on your property, regardless of fault, helping avoid potential lawsuits.
Learn MoreExtends protection to detached structures on your property such as garages, sheds, fences, and gazebos against the same perils as your dwelling.
Learn MoreGet a closer look at what each type of coverage includes and how it works to safeguard your investment.
Complete protection against fire-related incidents including smoke damage, firefighting water damage, and debris removal costs.
Coverage for damage caused by severe weather events including windstorms, hail, lightning strikes, and falling trees.
Financial protection against burglary, theft of personal belongings, and intentional damage to your property by others.
Protection against sudden and accidental water damage from burst pipes, appliance malfunctions, and roof leaks.
Customize your policy with these additional coverages designed for specific needs and valuable items.
Separate coverage for flood damage not included in standard policies.
Protection against seismic activity and related structural damage.
Extended coverage for jewelry, art, collectibles, and high-value possessions.
Financial protection and recovery assistance for identity theft victims.
Coverage for mechanical failure of home systems and appliances.
Protection for business equipment and liability for home-based work.
Coverage for landscaping, trees, and outdoor living spaces.
Extra liability coverage beyond standard policy limits.
Connect with our experienced agents today to discuss your coverage needs and receive a personalized quote. We're here to help you find the perfect protection plan for your home and family.
Get Your Free QuoteFind answers to common questions about our home insurance services. Can't find what you're looking for? Our team is always ready to help.
Our dedicated support team is available to answer any questions about coverage options and policy details.
Contact Our TeamA standard policy typically covers dwelling damage, personal property, liability protection, additional living expenses, and medical payments to others. Specific perils covered include fire, theft, vandalism, and certain weather events.
Premiums are calculated based on factors including your home's value, location, age, construction type, coverage limits, deductible amount, claims history, and any additional endorsements you select.
Yes, our agents work with you to adjust coverage limits, choose deductible amounts, and add optional endorsements that match your specific needs and budget preferences.
Actual Cash Value (ACV) pays the depreciated value of items at the time of loss. Replacement Cost coverage pays to replace items with new ones of similar quality without deducting for depreciation.
Once you've selected your coverage options and completed the application, policies can typically be activated within 24-48 hours. Rush processing is available for urgent situations.