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Homeowner Insurance

protect your home

Protect Your Peace of Mind

Welcome to John Sprague Agency, where we understand the importance of keeping your home secure and your mind at ease. Our homeowner insurance plans are designed to provide you with robust protection, ensuring that your most valuable asset is covered against unexpected events. With personalized service and reliable coverage, we are here to help you feel confident and protected.

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Dwelling Protection

Coverage for the physical structure of your home, including walls, roof, and foundation, against damages from covered perils such as fire, windstorms, and hail.

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Personal Property Coverage

Protects your personal belongings, such as furniture, electronics, and clothing, against theft, vandalism, and other covered events.

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Liability Protection

Offers financial protection if you are held liable for injuries or property damage to others that occur on your property.

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Additional Living Expenses

Covers the cost of temporary housing and other expenses if your home becomes uninhabitable due to a covered loss.

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Medical Payments to Others

Provides coverage for medical expenses if a guest is injured on your property, regardless of fault.

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Extended Replacement Cost

Ensures that you have sufficient coverage to rebuild your home even if the cost exceeds your policy limits, due to increased construction costs or other factors.

Frequently Asked Questions

  • How are personal belongings covered?

    Our policy covers personal items such as furniture and electronics against risks like theft and vandalism, up to a certain percentage of your dwelling coverage.

  • Do I need special coverage for high-value items?

    Yes, items like jewelry or art may require additional coverage to ensure they are fully protected beyond the standard policy limits.

  • What if I decide to rent our home?

    Our landlord insurance policies can protect you against tenants' damage.

Get in Touch

Protect your home with the reliable coverage you deserve. Contact John Sprague Agency today to discuss your homeowner insurance needs and get a personalized quote. Give us a call now and secure your peace of mind.

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