Home Insurance

Your home could easily be your most valuable asset. When your home is damaged or destroyed, you need your claim settled quickly and fairly. We take the time to identify your family’s total exposure to risk and our home insurance agents will offer you the protection that fits your needs and at a rate that fits your wallet.

There are numerous discounts available, depending on the carrier. To name a few, discounts are available for having alarm systems, having newer roofs, having your home and auto insurance with the same company and even more discounts are available for having additional policies with the same company. You can get a loss free discount, a discount for being retired, a smoke free discount, etc.

Insurance can be complicated. Let us help you with the process so that it is not so overwhelming.

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More Savings

Protecting your loved ones and assets shouldn't cost a fortune. Start maximizing your savings with our tailored insurance solutions today and watch the savings stack up!

More Coverage

We will analyze your needs, look for gaps in your coverage, help you understand what you are buying and ensure you get the most value out of your policy.

More Experience

Rely on the expertise of our seasoned insurance team, backed by a track record of excellence and glowing 5-star reviews. Our commitment to providing top-notch service and comprehensive coverage has earned us the trust of satisfied customers.

Match

Our platform is designed for us to obtain coverage for you from leading insurance providers, ensuring that you receive tailored solutions from trusted names. Say goodbye to the hassle of searching—let us match you with the best!

compare

Take control of your finances and discover the best value for your insurance needs! We compare our best options for you and make recommendations to you for the policy with the best combination of coverage and price.

save

Maximize your savings and let us do all the work for you. Enjoy the convenience of our experienced agents evaluating your quotes from our top companies without any fees, ensuring that you make informed decisions while keeping your budget intact.

Ways to Save Money on Your Home Insurance:

  • Paying in full
  • Having a college degree
  • Being the member of an association
  • Having a new home
  • Having good credit
  • Bundling your home and auto insurance
  • Having a new roof
  • Having a new HVAC Unit
  • Updating plumbing or electrical wiring

We are able to offer coverage for:

  • Homes of all value
  • Rental houses
  • Mobile homes
  • Identity fraud expense
  • Earthquake
  • Flood
  • Vacant homes
  • Builder’s risk
  • Expanded personal property coverage including coverage for lost jewelry, firearms, silverware, furs, etc.
  • Service Line Protection

Typical Coverage Options:

  • Liability – This covers accidental injuries and/or property damage that you, household members, or pets are considered liable for. It will pay your legal defense costs, judgements, and settlements, medical bills for injured party and their lost wages. It will also cover things that occur away from the home. Examples of covered claims would be someone injured from falling on your steps, a dog bite, child hitting a ball ina ball game & injuring another child, a rock being slung by you mowing your yard and hitting someone in the eye.
  • Dwelling – This part of the policy covers the main structure of your home and attachments such as a breezeway, porch or garage. We always do a replacement cost estimate to see how much to insure the home for in order to have enough money to rebuild, if needed. That is the amount that we recommend insuring it for. Sometimes the market value and replacement cost amount are not the same.
  • Loss of Use – This covers additional living expenses if you have to live somewhere else while your home is being repaired due to a covered loss. It will pay the cost to stay in a hotel, motel, or to rent a home. If living in a hotel/motel, will pay some additional costs such as doing laundry, eating out, etc.
  • Scheduled Property – Most home insurance policies have limits on items that attract thieves such as jewelry, guns, furs, etc. You may want to schedule items such as this along with collectibles, expensive rugs, or antiques on your policy to insure they are adequately covered.
  • Optional Coverages – This includes many things. You can add earthquake coverage to some home policies or obtain a stand-alone policy. You can add service line coverage, water backup, etc.
  • Medical Expense – This helps cover medical bills if someone is hurt on your property. It also pays if you, a family member, or one of your pets injures someone away from your home.
  • Other Structures – This covers structures that are not attached to the home. Examples are: driveways, outbuildings, sheds, garages, workshops, fences, driveways, etc.
  • Personal Property – This covers all of your stuff, clothes, furniture, dishes, electronics, appliances, bedding, etc.

SHARE CURRENT POLICY

Log-in with your current insurance company and share your policy info with just the click of a button. Easy as 1, 2, 3! Once done, our team will review and see how we can help you save!

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Request A Quote Online

Save the time and hassle – ditch the paperwork and request your insurance quote online! Explore your options from various companies and secure the absolute best deal. We do the work for you! Once we gather the info needed to quote, we will get back with you with our top three options for you to consider.

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Call An Agent

For personalized service and a tailored insurance plan, call a Childress Insurance agent today! A quick conversation can help you navigate coverage options, answer your questions, and ensure you get the protection that fits your unique needs.

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As your local independent insurance agency,
we proudly represent over 70 top insurance companies!