Affordable Homeowners Insurance Quotes | Orbit Insurance Services

Protecting your home

What coverages can I get for my Homeowners' Insurance?

Homeowners insurance is a package policy. This means it covers both damage to your property and your liability for any injuries and property damage you or members of your family cause to others.

Dwelling Coverage

It covers the damage to your house's structure, including the foundation, ceiling, and walls. Attached structures, such as sheds and porches, are also included against covered events.

Personal Property Coverage

It protects your home appliances, clothing, furniture, and other valuable items, ensuring your possessions are financially secure against theft or unforeseen damage.

Liability Coverage

Protects you if someone is injured on your property or if you accidentally damage someone else's property, helping cover your legal fees and any resulting court awards.

Additional Living Expenses (ALE)

Covers living expenses if your home becomes uninhabitable due to a covered event, such as a fire or severe storm, helping pay for hotel stays, food, and other costs.

Medical Payments Coverage

It helps cover minor medical expenses for guests who are injured on your property, regardless of who is at fault, offering immediate financial assistance without a lawsuit.

Other Structures Coverage

It covers completely detached structures on your land, such as workshops, gazebos, or unattached garages. It also helps repair or replace fences and mailboxes.

Why Orbit

Why Orbit is the best choice for Homeowners' Insurance?

Competitive Rates

We shop across multiple top-tier carriers to find the best rate for your specific home profile, maximizing your discounts while protecting your investment.

Industry Expertise

Our agents understand local rebuilding costs and specific regional risks, ensuring you aren't underinsured if disaster strikes your neighborhood.

Any Credit Welcome

We help homeowners navigate their coverage requirements regardless of their credit history, ensuring you can close on your mortgage without delays.

Online, Phone, or In-Person

Secure your homeowners policy however you prefer — instantly online, by speaking with an agent over the phone, or visiting a local branch.

Talk to a property expert today

A licensed agent is ready to help you find the right coverage for your home. Protect your biggest investment with confidence and clarity.

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The basics

What is Homeowners' Insurance?

Homeowners insurance is a type of property insurance that primarily covers the repair expenses and the cost of rebuilding a house in situations such as burglary, vandalism, or natural disasters. It includes various coverages, the most prominent being personal liability coverage, which covers the medical expenses or loss of anybody who suffers a bodily injury or damage to property while on your premises.

Most mortgage lenders require homeowners' insurance to protect their investments in case of an unforeseen event. In many cases, it also covers additional living expenses if your home becomes uninhabitable due to a covered event, such as a fire or storm. A standard homeowner's insurance policy protects a wide range of perils, ensuring comprehensive coverage against various types of damage.

Factors That Impact Your Rates

Location & Risk: Homes in areas prone to natural disasters or high crime will carry higher premiums.
Home's Age & Size: Older homes or those with greater square footage cost more to rebuild, increasing rates.
Construction Materials: Brick homes often cost less to insure against fire than wood-frame homes.
Claims History: A personal history of filing multiple claims can signal higher risk to insurers.

Good to know

Frequently asked questions & Requirements

While not legally required by the state, if you have a mortgage, your lender will require you to purchase proper homeowners' insurance to protect their investment, making it a must-have for most buyers.

Yes, many insurance companies consider your credit score when deciding your premiums. A higher credit score usually results in lower rates, as insurers see you as a lower risk. However, this is categorized as a "soft pull” and will not impact your credit score.

Homeowners' insurance premiums are typically not tax-deductible for personal residences. However, if you rent out or use some portion of it through Airbnb or for any commercial activity, a portion of the premium may be deductible as a business expense.

To lower your premium, consider increasing your deductible, bundling your home and auto policies, installing safety features (like alarms or deadbolts), remaining claims-free, or maintaining a good credit score.

To ensure your quote is completely accurate, you should have the following details ready:

Property Details: Square footage, age, and condition of the home.
Construction Info: Building materials, roof type, and foundation structure.
Mortgage Information: Lender's details and mortgage amount.
Security Features: Presence of smoke detectors, security systems, and deadbolt locks.
Coverage Needs: Desired dwelling limits and your preferred deductible.

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