Yes. Bundling your home insurance with auto, boat, or life insurance is a great way to save money and simplify your coverage. Many of the carriers we partner with offer multi-policy discounts, and we’ll help you compare bundle options to get the best protection at the best price.
Yes! As an independent agency, Elite Risk Advisors works with several top-rated insurance carriers. That means we compare coverage, pricing, and discounts for you—so you get the right homeowners insurance without spending hours researching on your own.
It depends on what caused it. Sudden and accidental water damage—like a burst pipe or water heater leak—is typically covered. However, gradual issues such as slow leaks, long-term seepage, or flood damage are generally not covered under a standard homeowners policy.
Usually, yes—if the damage is caused by a covered peril such as wind, hail, falling objects, or fire. Roof damage caused by age, wear and tear, or poor maintenance is not covered. We’ll help you understand how your specific roof is evaluated by each carrier.
Yes. If a tree falls on your home due to a covered peril—such as wind, ice, lightning, or a storm—your homeowners insurance will typically pay for damage to the structure. In many cases, it also helps cover debris removal. However, if a tree was rotting or poorly maintained, coverage may be limited or denied.
If a guest is injured on your property because of a hazard you’re responsible for—such as a loose handrail, icy walkway, or broken steps—your homeowners insurance liability coverage can help pay for medical bills and legal costs. If the injury happens due to their own negligence, liability may not apply. We’ll help you understand how your liability limits protect you.
It is only covered if the damage is caused by a covered event like a burst pipe or an explosion. Normal settling, shifting, or poor construction is not covered.
At Elite Risk Advisors, we help you build a homeowners insurance policy that fits your property, your lifestyle, and your budget. Below is a simple breakdown of the most common coverages and what they protect, so you can feel confident knowing your home—and everything in it—is properly covered.
Covers the main structure of your home—including the roof, walls, built-ins, and foundation—against covered perils like fire, wind, hail, and vandalism. This is the core of your homeowners policy.
Protects the items you own, such as furniture, clothing, appliances, and electronics, if they’re damaged or stolen due to a covered event.
Helps pay for legal expenses, medical bills, and damages if you’re found responsible for injuring someone or damaging their property—whether the incident happens at your home or away from it.
Covers temporary housing, meals, and extra living costs if your home becomes uninhabitable after a covered loss. This helps you maintain normal life while repairs are made.
The amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible usually lowers your premium.
Pays to repair or replace damaged property with new items of similar kind and quality—without deducting for depreciation. This provides stronger protection than ACV.
Covers damaged property based on its current depreciated value. This is typically less than the cost to buy new replacement items.
Optional extra coverage you can add to your policy for specific items or risks—like jewelry, home office equipment, water backup, or earthquakes. Endorsements help customize your policy to fit your life.
Specific situations or types of damage your policy does not cover—commonly including floods, earthquakes, wear and tear, or poor maintenance. These vary by carrier.
An event that can cause damage to your property, such as fire, theft, lightning, windstorms, or hail. Your policy outlines which perils are covered.
Getting started is easy. Whether you’d like to stop by for a friendly, face-to-face conversation or prefer to request your quote online from the comfort of home, we’re here to make the process simple. Tell us what you need, and our team will guide you from start to finish.
Once we gather your information, we’ll provide personalized home insurance quotes tailored to your needs. We’ll walk you through how each option compares to your current coverage so you understand exactly what you’re getting. Whether you're hoping for better protection, lower rates, or both, our team is here to help you find the policy that fits just right.
When you’re ready to make the switch, just say the word. We’ll set up your new homeowners insurance policy and notify any required parties on your behalf. All you have to do is sit back, relax, and enjoy the confidence (and savings) that come with better coverage.
