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Home Insurance
Protect the Place You Call Home
Your home is one of your most valuable investments. Whether you own your first home, a luxury residence, or a vacation property, having the right homeowners insurance helps protect your property, belongings, and financial future.
At Opus Insurance, we compare coverage from multiple top-rated insurance companies to help you find the right protection at a competitive price. We take the time to understand your needs so you can have confidence knowing your home is properly insured.
What Does Home Insurance Cover?
Fire and smoke damage
Wind and hail damage
Theft and vandalism
Lightning strikes
Falling objects
Personal liability claims
Guest injuries on your property
Damage to detached structures
Water damage from covered causes
Additional living expenses if your home becomes temporarily uninhabitable due to a covered loss
Coverage varies by policy, and we’ll help you understand exactly what’s included.
Build Your Policy
Coverage Options for Every Home owners
Every Home has different needs. We help customize your policy with coverage such as:
Dwelling Coverage
Other Structures Coverage
Personal Property Coverage
Personal Liability Protection
Medical Payments to Others
Loss of Use (Additional Living Expenses)
Water Backup Coverage
Scheduled Personal Property (Jewelry, Watches, Art, Firearms, Collectibles)
Equipment Breakdown Coverage
Service Line Coverage
Identity Theft Protection
Ordinance or Law Coverage & Extended or Guaranteed Replacement Cost (where available)
Homes We Cover
We Insure it all
01
Primary residences
02
Luxury homes
03
High-value homes
04
Vacation homes
05
Second homes
06
Condominiums
07
Townhomes
08
Manufactured homes
09
Second homes
10
Condominiums
The Opus Difference
Why choose Opus Insurance?
Access to multiple top-rated companies
Personalized coverage reviews
Competitive pricing
Annual policy evaluations
Local agents who understand your needs
Claims guidance from start to finish
Protection tailored to your lifestyle
Transparency at every step
Discounts
Ways you may save
Many homeowners qualify for valuable discounts, including:
Home & Auto Bundle
Claims-Free Discount
New Home Discount
Security System Discount
Gated Community Discount
Smoke & Fire Alarm Discounts
Water Leak Detection Devices
Impact-Resistant Roof Discount
Loyalty Discounts
Paid-in-Full Discount
Paperless Billing
Automatic Payments
We'll help you maximize every available discount.
Extra Protection
Valuable items need extra protection
Standard homeowners policies have limits for certain valuables. If you own items like the ones below, we can recommend additional coverage to help ensure they're properly protected.
Fine Jewelry
Luxury Watches
Artwork
Firearms
Collectibles
High-End Electronics
Musical Instruments
If You Have a Claim
You deserve more than a policy you deserve an advocate
When the unexpected happens, here's how our team is with you every step of the way.
Help you understand your coverage
Assist with filing your claim
Explain the claims process
Communicate with your insurance company
Help you recover as quickly as possible
Good to Know
Frequently asked questions
How much homeowners insurance do I need?
Your policy should provide enough coverage to rebuild your home, replace your belongings, and protect your financial assets. We'll help you determine the right amount of coverage.
Does homeowners insurance covers flood?
Standard homeowners insurance typically does not cover flood damage. If you live in a flood-prone area, we can help you obtain a separate flood insurance policy.
Does homeowners insurance covers earthquakes?
Most standard policies exclude earthquake damage. We can help you add earthquake coverage if it's appropriate for your area.
Should i bundle my home and auto insurance?
In many cases, yes. Bundling often provides significant discounts while simplifying your insurance with one agency
Can i change my coverage after i purchased my Policy?
Absolutely. As your home, family, or lifestyle changes, we'll review your policy and recommend updates to keep your coverage current.
Get a free quote today
Your home deserves more than basic coverage, it deserves protection designed around your unique needs. At Opus Insurance, we’re committed to helping you safeguard your home, your belongings, and your peace of mind with coverage you can trust. Request your free homeowners insurance quote today and let our experienced team help you protect what matters most.
A premium independent insurance advisory serving Arizona, California, Colorado, Nevada, Texas, New Mexico, New Jersey, New York, South Dakota and Indiana protecting families, businesses, and the lives built around them.
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