Home insurance written for the house you live in.

I write home insurance one address at a time, line by line, with carriers i know by name. Every renewal gets a walk-through before any paperwork moves.

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About KentsHome

One desk. Every policy read line by line.

I started KentsHome after watching a neighbor argue with an out of state adjuster for six months over a burst pipe. The policy language was vague. The handoffs never ended. The paperwork kept resetting. I wanted a different version of this work, run from one office, where I handle each policy from start to finish.

So that is what i offer. A homeowner policy i can explain on the porch in fifteen minutes, with the carriers i trust, and a claim path that does not pass through six departments before reaching me.

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Insurance Plans

Standard plans of a homeowner policy

A homeowner policy is coverage a carrier files with the regulator. What changes is the limit, the deductible, and the rider. I price each line on its own, so nothing hides inside a bundle.

Dwelling Coverage

Pays to repair or rebuild the structure of the home. I price replacement cost, not market value, and i recheck it every renewal.

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Personal Belongings

Furniture, clothing, kitchen equipment, electronics. Standard limits cover the average household.

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Personal Liability

Covers a guest injury on the property and certain off-property events. I default to a higher limit than most carriers suggest.

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Common Questions

Clear answers to the questions.

If a question is missing, send it to my desk. I add the recurring ones to this list every quarter so the page reflects what homeowners actually ask me about.

Most homes i can quote the same afternoon and bind within 48 hours, assuming the inspection photos are in order. Older homes, properties with prior claims, or houses with nonstandard roofs add a step or two.

The cost of rebuilding the structure, not what the home would sell for. The two figures are rarely the same. I run a replacement cost estimator each renewal so the limit moves with the local cost of materials and labor.

No. A standard homeowner policy excludes rising surface water, anywhere it is written. For homes near a creek, river, or any FEMA mapped zone, i write a separate NFIP policy or a private flood option alongside the homeowner policy.

Yes, with the carriers that file a multiline program. I quote it both ways, bundled and standalone, so the choice belongs to the homeowner and is never the default i hide behind.

A flat deductible applies to most claims. For wind and hail, many carriers use a percentage deductible tied to the dwelling limit. I spell the figure out on the declaration page so the math is clear before a claim, not after.

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Ready for a straightforward quote?

The intake form takes about four minutes. From there i price the six coverage lines and send back a one page summary the same week.

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Testimonials

What homeowners say after the first claim.

A new policy is easy to like on day one. The real test is what happens when a claim is filed. These notes were sent to my desk after the first incident, with permission to share.