The cost of homeowners insurance can vary widely based on your home’s value, location, coverage limits, and other factors like roof condition or proximity to a fire station. On average, U.S. homeowners pay between $1,000–$2,500 per year, but the best way to find out your rate is to request a custom quote. At Winter-Dent, we compare multiple carriers to find the right protection at the best price for your home.

If you have a mortgage, your lender will require you to carry homeowners insurance to protect their investment. Even if you’ve paid off your home, having insurance is still a smart move, it protects you from costly repairs, liability claims, and unexpected disasters.

You’ll want enough dwelling coverage to rebuild your home at today’s construction costs, not just its market value. You’ll also need to factor in personal property, liability, and any special coverage for high-value items. Our team can help calculate the right amount so you’re fully protected without overpaying.

“Cheap” isn’t always “best.” The lowest premium might mean less coverage or higher out-of-pocket costs when you file a claim. At Winter-Dent, we shop top-rated insurance carriers to find competitive rates without sacrificing the coverage you need.

A standard policy typically includes dwelling coverage, personal property, liability, and additional living expenses. You can also add endorsements for things like jewelry, identity theft, or sewer backup.

It’s simple: contact the Winter-Dent team, answer some questions about your home, and we’ll gather quotes from multiple carriers. We’ll walk you through your options, explain your coverage in clear, simplified language, and help you choose a policy that fits your needs and budget.

Yes, most policies include “other structures” coverage for things like detached garages, sheds, fences, and even guest houses, usually for about 10% of your dwelling coverage limit. If you need more, you can increase this limit for a small additional cost.

There are several reasons your premium might increase. Common factors include rising construction costs, inflation, more frequent or severe weather events in your area, and changes in your personal risk profile (such as a new roof claim or adding a pool). Even if you haven’t filed a claim, industry-wide rate adjustments can affect your policy. We can review your coverage and shop multiple carriers to see if there’s a better option for your budget.

Yes, you can switch at any time. You don’t have to wait until your policy renews. If you’ve already paid your premium in full, your current carrier will typically refund the unused portion. Before making the change, it’s best to have your new policy active so there’s no gap in coverage, and let your mortgage lender know if you have one.

Standard homeowners policies don’t cover everything. Common exclusions include flood damage, earthquake damage, routine wear and tear, pest infestations, and maintenance-related issues. Certain high-value items, like jewelry or fine art, may only be covered up to a set limit unless you purchase additional coverage. We’ll review your policy with you to help fill any gaps so there are no surprises at claim time.