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Home Insurance

PROTECT YOUR #1 INVESTMENT

Finding The Right Home Insurance For You

Homeowners Insurance isn't one size fits all, and a generic policy won't give you peace of mind and or protect you in the event of a loss. We'll identify the proper coverage based on varying asset levels, lifestyles, and risk tolerances and then source the market for the best price. The Cypress consultative approach includes a detailed analysis designed to help you understand your home insurance options.

Sometimes Extra Protection Makes Sense

If you're considering looking for additional home insurance coverages or extended liability protection, we can help. Your home is a primary wealth accumulation asset, and protecting it is an essential part of mitigating your risk as a homeowner and building a secure future. Let the expert Cypress team help you decide if supplemental policies and enhanced coverage makes sense for you.

Now’s the Time to Get a Homeowners Insurance Quote

Getting a home insurance quote today is quick and easy. Buying home insurance can help protect both your home and your personal belongings. When you’re confident you have the coverage you need, you can focus on those little moments that matter.

What's Covered

What's covered; what's not. A homeowners insurance policy can cover damage caused by such perils as fire, windstorms, hail, lightning and vandalism. Typically, damage caused by floods and earthquakes are excluded. Optional coverages and policies may be available to cover damage due to additional perils.

Types of Home Insurance Coverage

Dwelling Coverage

Dwelling coverage can pay to repair or rebuild your home if damaged by a covered cause of loss. You will likely want to buy enough dwelling coverage to cover the estimated cost to repair or rebuild.

Other Structures Coverage

Other structures coverage can pay for covered damages to detached structures like garages, sheds and fences on your property.

Personal Property Coverage

Personal property coverage can pay you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics. Special limits of liability may apply to certain items.


Loss of Use Coverage

Loss of use coverage can pay your additional living expenses if you must move out of your home temporarily while it's being restored. This is subject to coverage terms and limits.

Personal Liability Coverage

Liability coverage can help protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a member of your household is responsible for causing bodily injury or property damage to others.

Ways to Save

You can save on your home insurance with a multi-policy and loss-free discount. You may also save if your home is equipped with qualified smart home technology, security and fire protective devices.

Featured Discounts

Multi-Policy Discount

You can save up to 15% on home insurance when you have a car insurance policy with Travelers. Additional savings may be available if you have other policies with Travelers, including umbrella, boat or a personal articles floater.

Home Buyer Discount

Available to customers who have purchased their home within 12 months prior to the policy effective date.

Loss-Free Discount

Offered to eligible customers who have not experienced a loss within a specified time period.

Protective Device Discount

You can save by having devices such as:

• Smoke detectors and fire alarms;
• Interior sprinkler systems;
• Home security systems; or  
• Smart or connected home technology, which alerts the customer that a fire or burglar event is occurring.

Green Home Discount

You can save up to 5% if your home is already certified “green home” by the Leadership Energy and Environmental Design (LEED) organization.

FAQs

Getting a home insurance quote today is quick and easy. Buying home insurance can help protect both your home and your personal belongings. When you’re confident you have the coverage you need, you can focus on those little moments that matter.

What is homeowners insurance and why do I need it?

Homeowners insurance can protect you from the unexpected. If your home is damaged, your belongings are stolen or someone gets injured on your property, it can help cover repairs or replacement, temporary housing, medical bills, legal fees and more.

A homeowners policy is recommended for anyone who owns a home or condo, and may even be required by your mortgage lender. In certain areas, you may need separate policies or coverage to help protect your home and personal belongings against damage due to floods, earthquakes, windstorms or hail.

Most policies have 3 key elements: the premium which is how much you pay for coverage, deductibles which are how much you’re responsible for out-of-pocket in the event of a covered Claim, and limits which are the most your insurer will pay for a covered claim.

Home insurance is coverage you hope to never have to use, but if the unexpected happens, it can help you restore your life back to normal.

What does a typical homeowners policy cover?

An insurance representative can help you determine the homeowners coverage that best fits your needs and budget, but a typical policy can cover:

The structure of your home
Other structures on your property (e.g. garage, shed)
Your personal belongings
Additional living expenses if you cannot live in your home due to a covered loss or repairs
Your personal liability or legal fees
Valuable items (extra coverage can usually be added)

What do I need to consider when choosing homeowners insurance?

When figuring out how to choose home insurance, consider these key questions:

What is the estimated cost to replace, rebuild or repair your home—the “replacement cost”?
What other structures are on your property (e.g. garage, shed, fences)?
How much of a deductible can you afford to pay out-of-pocket if you have a loss?
What are your valuables and what are they worth?
Do you have frequent visitors to your home?
Do you work out of your home?
Do you rent any part of your home or property?
Do you qualify for any discounts?
What are the basic coverages required by your mortgage lender?
Our licensed insurance representatives are happy to walk you through all of this step by step, and can help you review your needs on an annual basis.

Why should I choose Cypress?

Choosing a homeowners insurance policy starts with choosing the right insurance company.

Travelers has been one of the nation’s leading and largest property casualty companies for over 160 years. We offer a variety of policy options and packages to help you get the coverage that meets your unique needs. We can provide you with information to help protect the place you call home.

We also give you peace of mind with a claims process that is simple and stress free.

Is my home business covered under my homeowners policy?

Not usually. Homeowners insurance is not generally designed to cover business use of your home. It may include limited protections, such as replacement or repair of computers and other electronic devices, but for more comprehensive coverage, you may require a business owner’s policy.

Do I need to reapply for homeowners insurance every year?

It depends. Most homeowners policies come up for renewal each year, but customers must remain eligible and pay their premiums to renew.

It’s a good idea to review your coverage with an insurance representative every year.

Should I add an umbrella policy?

Umbrella insurance is additional personal liability coverage that can offer an additional layer of protection beyond what your homeowners insurance can provide.

If you or a family member are found personally responsible for serious property damage or personal injury to others, the cost of damages can quickly add up beyond the liability limits of your home policy. Umbrella insurance can provide extra protection, especially if you have many assets to protect.

Learn more about umbrella insurance.

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