Homeowners Insurance
Real Protection for the Place You Call Home
Your home is more than just a roof over your head—it’s where your life happens. At Lumpkin’s Insurance Agency, we understand how important it is to protect the place you love most. Whether you own a house, condo, or rental property, we’ll help you find the right coverage for your home, your belongings, and your peace of mind.
What Is Homeowners Insurance?
Homeowners insurance is a policy that protects your home—and everything in it—from unexpected events like fire, storms, theft, and liability claims. If something goes wrong, your policy can help pay to repair or rebuild your home, replace lost or damaged belongings, and cover temporary living expenses if you’re displaced.
But it does more than just protect your property.
It also provides personal liability protection—so if someone is injured on your property, or if you accidentally damage someone else’s property, your insurance can help cover legal fees and medical costs.
We Make It Easy to Understand
First-time homebuyer? No worries—we’ll walk you through your policy so you know exactly what’s covered.
Long-time homeowner? As insurance laws and risks change, we’ll help you stay current and properly protected.
You've worked hard for your home. Let us help you protect it—clearly, confidently, and with real human support when you need it most.
Homeowners insurance helps you...
In short, homeowners insurance helps you:
🏠 Repair or rebuild your home after a covered disaster
📦 Replace stolen or damaged personal belongings
🚪 Pay for temporary housing if your home becomes unlivable
💼 Cover medical or legal costs if you’re held liable for an accident
🐾 Customize your policy to include valuables, pets, or detached structures
Coverage Options Include:
🏠 Dwelling protection
📦 Personal property coverage
💼 Personal liability
🌪️ Wind, hail, fire, theft—even flood (ask us how to add flood protection)
🚪 Loss of use / temporary living expenses
🐾 Optional pet liability and more