Homeowner Insurance

Reliable insurance for you and your family

Your home is as unique as you are. Whether you own a house or a condo, you want to feel safe and secure in the place you live. The insurance agents at Kosmos Insurance understand. We live and work in your community. As an independent insurance agency, we are free to put our customers’ interests first rather than the interests of a big national conglomerate.

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Finding the Right Homeowners Policy

We don’t believe in one-size-fits-all insurance. Each customer is unique, and our agents write policies to meet individual needs. Some of our clients prefer homeowners policies with lower deductible amounts so that in the event of a disaster they will incur lower out-of-pocket costs. We also provide variable limits for our customers. Depending on the value of your home and belongings, you can choose the limits you want. In most cases, our agents will recommend an umbrella policy to better insure you against potential losses.

Standard Coverage and Coverage Options

Like most insurance policies, homeowners insurance comes with certain standard coverage. Generally, this includes

  • Property coverage to help pay for repairs or rebuilding of a home following a covered event
  • Belongings coverage to help pay for the replacement of items lost, stolen or destroyed in a covered event
  • Personal liability coverage for you and family who lives with you, no matter where in the world you travel
  • Additional living expenses to keep you and your family sheltered in the event that your home becomes uninhabitable due to a covered loss

Contact us or call to speak with one of our insurance professionals, call our office during regular business hours. We look forward to protecting the things that matter most to you.