Home Insurance

We find you the insurance you need at just the right price!

Feel like you are paying too much for insurance for your home?

Hemphill Insurance Agency can help you find the home insurance you need at a price you can afford. By representing multiple insurance companies, we have a wide selection of coverage options and discounts available.

We have programs available to cover your homestead as well as single and multi-family rental dwellings, landlord packages, and manufactured and mobile homes.

We have affordable rates for many situations including

  • No prior insurance
  • Closing on a home you’re purchasing
  • Older homes
  • Homes outside the city limits

Available discounts include

  • Claim free discount
  • New roof discount
  • Companion policy discount
  • Senior discount
  • Alarm discount
  • Paid in full discount

What Is Home Insurance?

Home insurance policies differ by which losses are covered, which coverages you choose and what type of residence you own. You choose which policy is best for you.

How Much Does Home Insurance Cost?

It is important to remember that the cost of home insurance is determined by many factors. That’s why we research and compare different policies to help you find the best coverage option at the best price for your home. Important considerations include:

  • What coverages you select. Oftentimes home insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
  • Deductible options. Higher deductibles usually lower your premium.
  • Where you set your coverage limits. You may choose to purchase higher or lower limits if appropriate to your situation and needs.

Common coverage options

Protection for your home
Dwelling coverage pays to repair your home if is damaged by a covered peril such as fire, windstorm or hail.

Protection for your belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal property insurance helps replace these items if they are damaged or destroyed as a result of a covered loss.

Scheduled personal property coverage
If you have special possessions such as jewelry, art, antiques, firearms or collectibles you may to ask your agent about additional coverage to give you broader coverage at higher limits than those afforded by the base policy.

Additional Living expense
If you can’t live in your home because of a covered loss, additional living expense coverage can help pay for your additional living expenses while your home is being repaired or rebuilt.

Personal liability coverage
Personal liability coverage protects you in the event someone is injured or their property damaged and you are to blame. Your personal liability coverage should be high enough to protect your assets if you are sued.

If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Insurance page for more information.

Protect the things that matter to you

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video- using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t coverage damages caused by poor or deferred maintenance on your part.

Every home is unique. Talk to us today to find out how to get the best price and value on your home insurance.

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