Homeowners Insurance at HWI Insurance
Your home is more than just a place to live—it’s where your life happens, your memories are made, and your most valuable possessions are kept. At HWI Insurance, we understand how important it is to protect your home and everything in it. That’s why we offer comprehensive homeowners insurance solutions tailored to your unique needs, whether you own your home or rent.
What Our Homeowners Insurance Covers
Our homeowners insurance policies are designed to provide peace of mind by protecting you from life’s unexpected events. We’ll help you understand your options and build a policy that fits your property, lifestyle, and budget.
Dwelling Coverage
This covers the structure of your home itself, including walls, roof, floors, and built-in appliances, against risks like fire, windstorms, hail, lightning, and more. If your home is damaged or destroyed by a covered event, we’ll help pay for repairs or rebuilding.
Other Structures Coverage
Protects additional buildings on your property, such as detached garages, sheds, fences, and gazebos, from covered perils.
Personal Property Coverage
Covers your belongings—furniture, electronics, clothing, and valuables—if they’re damaged, destroyed, or stolen. We can help you determine the right amount of coverage for your possessions and offer options for high-value items like jewelry or collectibles.
Liability Protection
If someone is injured on your property or you accidentally cause damage to someone else’s property, liability coverage helps pay for legal fees, medical bills, and settlements, protecting your finances and your future.
Loss of Use (Additional Living Expenses)
If your home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary living expenses, such as hotel stays, meals, and other costs while your home is being repaired.
Medical Payments to Others
Provides coverage for minor injuries to guests that occur on your property, regardless of fault, helping you take care of others and avoid potential disputes.
Renters Insurance
If you rent your home or apartment, we offer renters insurance to protect your personal property and provide liability coverage. Even if your landlord has insurance, it won’t cover your belongings or personal liability—renters insurance fills that gap.
Optional Coverages
We offer a range of optional coverages to further customize your policy, including:
- Flood insurance for properties in flood-prone areas
- Earthquake coverage
- Identity theft protection
- Equipment breakdown coverage
- Scheduled personal property for high-value items
At HWI Insurance, we make homeowners insurance simple and straightforward. We’ll walk you through your options, explain what’s covered (and what’s not), and help you choose the right protection for your home and lifestyle. Our team is always available to answer questions, review your policy, and make updates as your needs change.
Our clients value our local expertise, honest advice, and commitment to personal service. We take the time to get to know you and your home, ensuring you have the right coverage at the right price. If you ever need to file a claim, we’ll be by your side, guiding you through the process and advocating for your best interests.
Protect your home and everything you love with HWI Insurance. Contact us today for a personalized homeowners insurance review and a free quote. Let us help you safeguard your most important investment—so you can enjoy peace of mind, no matter what life brings.
Contact
- 2380 N National Rd suite A Columbus Indiana 47201
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(812) 390-4110
(812) 390-4107 - info@hwi-in.com
Brochures
Get started with a fast, free homeowners insurance quote from HWI Insurance. We’ll help you find the coverage that fits your needs—so you only pay for what matters to you, and nothing you don’t.
