Protect Your Home with Local, Personalized Insurance
Your home is more than an address—it’s where your life happens. From fire and theft to unexpected damage, we’re here to help you protect what matters most. Reach out now to customize coverage that keeps your peace of mind intact.
Why Home Insurance Matters
Your home is likely your biggest investment—and protecting it should be just as personal. From storms to theft, the risks homeowners face can have lasting financial consequences. A well-designed insurance plan helps you recover quickly and fully, reducing stress during challenging times. We’re here to help you navigate policy options, understand coverage gaps, and avoid being underinsured. With the right protection in place, you’re free to enjoy the comfort and security of home, knowing we’ve got your back when it counts.
Where Merchants & Planters can help best.
Customizable home coverage that addresses local risks and property types.
Clear explanations of deductibles, exclusions, and policy benefits.
Policy updates when you renovate, relocate, or refinance.
A Few Coverage Options:
HOME INSURANCE
Dwelling: Protects the structure of your home from covered damage.
Personal Property: Covers your belongings inside the home—like furniture and electronics.
Liability: Pays for injuries or damage if someone gets hurt on your property.
Loss of Use: Helps with expenses if your home becomes temporarily unlivable.
Medical Payments: Covers minor injuries that happen to guests at your home.
A Word on Being Proactive.
Homeownership comes with responsibilities, and insurance is one of the most important. Being proactive ensures your policy reflects current rebuild costs, home upgrades, or new risks like severe weather. Waiting until a loss occurs can expose costly coverage gaps. Reviewing your policy annually and after major life events keeps your protection current and effective. It’s not just about meeting requirements—it’s about truly protecting the place you call home.