The Allen Thomas Group Independent Insurance Agency

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Homeowners Insurance

Easy Process
Customized Solutions
Right Price

Customized Home insurance options at the best price.

Save Time

We shop dozens of carriers to make sure you get the policy that fits your needs at the best price.

Save Money

Find the best combination of price and coverage so you get the best value for your money.

Great Service

Have a dedicated local insurance agent in your community that is responsive to your needs.

Peace of mind

Complimentary risk assessment to know you’re well protected and regular policy reviews to make sure you’re never paying too much for your insurance.

Family in their new home after getting homeowners insurance coverage
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You need a trusted local insurance agent who cares about your home as much as you do.

Happy Customers
Years in Insurance

Our process will provide you with homeowners insurance the smart and easy way.

We know how frustrating and complex the process of finding the right home insurance can be, especially for high-value homeowners insurance and how long it can take if you do it on your own.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

We love to see the people in our community happy and protected:

Frequently Asked Questions

The average cost of homeowners insurance in the US varies depending on several factors such as the location of the property, the value of the home, and the coverage options chosen. According to a report by the National Association of Insurance Commissioners, the average annual premium for homeowners insurance in the US was around $1,211 in 2017. However, it is important to note that this figure can vary significantly from state to state and from individual to individual based on specific circumstances and insurance providers. 

The 80% rule in homeowners insurance states that a homeowner should insure their property for at least 80% of its total replacement cost. This rule is based on the idea that if a property is insured for less than 80% of its value, the homeowner may not receive full reimbursement for damages in the event of a claim. It is important for homeowners to accurately assess the value of their property and ensure they have adequate coverage to protect their investment.

There are three main types of homeowners insurance: dwelling coverage, personal property coverage, and liability coverage.

Dwelling coverage protects the physical structure of your home, while personal property coverage protects your belongings.

Liability coverage provides financial protection if someone is injured on your property. It is important to understand the different types of coverage and choose a policy that suits your needs.

The most popular type of home insurance varies depending on individual needs and preferences. However, according to leading websites in the insurance industry such as and The Balance, the most common types of home insurance policies include HO-3 (special form), HO-5 (comprehensive form), and HO-6 (condominium form).

These policies provide coverage for different aspects of a home, such as the structure, personal belongings, and liability.

It is recommended to consult with insurance professionals at The Allen Thomas Group to make sure you are protected properly.

A homeowners policy typically covers a range of losses, including damage to the home and personal belongings caused by fire, theft, or certain natural disasters. However, there are certain losses that may not be covered, such as damage caused by floods or earthquakes, intentional acts of damage, or normal wear and tear. It is important to carefully review the terms and conditions of a homeowners policy to understand what specific losses are covered and what exclusions may apply.

You can only deduct homeowner’s insurance premiums paid on rental properties. Homeowner’s insurance is never tax deductible for your main home.










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Contact us today for a Free Home Insurance consultation to find insurance that fits your specific needs.

Lower premiums don’t have to mean less coverage. You just need a trusted agent who knows where to look.

Let’s talk

Call now or schedule
a more convenient time