Home Insurance
Your home protects everything that matters to you. The right policy protects your home, your belongings, and your liability, with guidance that makes the coverage clear.
What home insurance covers
Coverages, limits, and covered perils vary by policy and carrier. We help you avoid being underinsured.
Dwelling coverage
Helps repair or rebuild the structure of your home after a covered loss like fire or storm damage.
Other structures
Covers detached structures such as a garage, fence, or shed that aren’t attached to the house.
Personal property
Protects your belongings, furniture, electronics, and clothing against covered losses, even some away from home.
Personal liability
Helps cover costs if you’re found responsible for someone’s injury or for damage to their property.
Loss of use
Pays for temporary living costs if a covered loss makes your home uninhabitable.
Medical payments
Helps with medical bills if a guest is injured on your property, regardless of fault.
Coverage that protects your biggest investment
Your home is likely the largest investment you’ll make, and the belongings and liability that come with it add up fast. The right policy protects all three: the structure, what’s inside, and you.
Swamp Fox helps you set dwelling limits that reflect rebuilding costs, choose replacement cost where it counts, and compare carriers so you’re well covered without overpaying.
- Replacement cost vs. market value matters: you insure what it costs to rebuild, not the resale price.
- Liability limits protect your assets if someone is hurt on your property.
- Bundling with auto usually lowers both premiums.
Built for Southeast weather and risk
Homes across the Southeast face wind, severe storms, and water exposure that shape how a policy should be built, including how wind and hurricane deductibles work.
Swamp Fox knows the region and the carriers that write it, so your coverage reflects the risks your home actually faces.
Why Swamp Fox
Independent access to multiple carriers, guidance built around real exposure, and a team that knows Southeast risk firsthand.
Home insurance questions
Does home insurance cover the full value of my house?
It should cover the cost to rebuild your home, which can differ from its market or resale value. We help you set a dwelling limit based on rebuilding cost so you’re not underinsured.
Is flood damage covered?
Standard home policies generally exclude flood. Flood coverage is usually a separate policy, often through the National Flood Insurance Program or a private carrier. We can help you add it if you need it.
How do wind and hurricane deductibles work?
In many coastal and Southeast areas, wind or hurricane losses carry a separate, often percentage-based deductible. We’ll explain how yours works so there are no surprises after a storm.
Can I bundle home and auto?
Usually yes, and it often lowers both premiums. Bundling also keeps your policies with one agency that knows your full picture. We’ll show you the combined cost.
Protect your home and everything in it.
Start a home quote, or call to compare your options.