Home Insurance As your life changes, so do your insurance needs. Integrity offers a variety of coverage options for everything that matters to you, at every major milestone. Contact an Agent for a quote Buying home insurance is a lot easier when you work with an independent insurance agent. That’s because your agent will help you find coverage tailored to fit your life and budget. At Integrity, we can protect the place you call home and cover what’s inside it. Your home insurance policy will offer peace of mind, so you can focus on creating memories and live your life with fewer worries. Home Coverage Talk to your independent agent about what homeowners insurance covers to find the best protection for your home. Underground service line. You may not realize underground service lines, like water, waste, heating, cable and internet are a homeowner’s responsibility. If an underground service line breaks, tears, ruptures or collapses? Would you be able to afford repairs if you’re legally responsible? Home cyber protection. Your privacy and identity deserve protection, too. Computer attacks, cyber extortion and online fraud can be costly when trying to repair the damage. If you fall victim to a cyberattack, would you need help restoring your information and reclaiming costs? Back up of sewers and drains. Sewer backups are something people never see coming. This is optional coverage and almost always considered a lifesaver when used. Could you cover the cost of cleaning and repairing water damage to your basement and belongings if a sewer or drain backed up and caused a flood? Home replacement cost. A common misconception is the replacement cost of a home is the same as the market value. New material costs, debris removal and bringing on a specialized contractor are just some things that can add up. This also affects any items you own. Do you want your house and the contents restored to precisely what you had if you experienced a total loss? Jewelry, artwork and collectibles. We know some things can’t be replaced, like your great-grandmother’s diamond ring. If a valuable item was lost, damaged or stolen, wouldn’t you, at a minimum, like to be reimbursed for it? Identity theft protection. One U.S. citizen falls victim to identity theft every three seconds.1 Wouldn’t you like expert guidance if you have an identity fraud case or are victim of a cyber-attack? Renters and condo insurance. Even if you don’t own a home, you still want a policy that protects the items inside. A landlord’s insurance covers the building, but likely not your possessions. Wouldn’t you want financial protection for your belongings? Personal umbrella. This is an extra layer of protection that goes beyond your home policy if you find yourself responsible for someone's bodily injury or property damage. If your neighbor sues you after slipping on ice in your driveway, do you want extra protection to cover the settlement cost? Equipment breakdown. Your home depends on critical equipment to keep it running. Could you manage to cover the cost to install a new furnace, air conditioning or ventilation system if it quit? Assisted living care. Do you have a family member in an assisted living in need of coverage for their possessions? Home Discounts Remember to ask your agent about home insurance discounts you may qualify for, including: Multiple policies Prompt payer or paid in full Newer home or newer roof Advance quote Home maintenance DIY home inspection Claim-free Smart fire alarm And more Want a quote? Contact an Agent We’re proud to work with independent insurance agents *Available coverages and discounts may vary by state. Please contact your Integrity Independent Agent to discuss coverage details, discounts and eligibility requirements. For specific coverage details, always refer to your policy. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies.