Homeowners Insurance
Protect What Matters Most
For most people, their home is their largest and most meaningful investment. That’s why having the right Homeowners Insurance is so important. At Kampakis Insurance, we help you make sure your home and everything inside it are properly protected—so you can feel secure no matter what life brings.
In most cases, we can insure your home for 100% of its replacement value, meaning that if a covered catastrophe occurs, your home will be repaired or rebuilt—even if the cost exceeds your policy limit.
What’s Covered
A standard homeowners policy provides protection against a wide range of risks, including:
- Liability for injuries or damage to others
- Fire and lightning
- Windstorms and hail
- Smoke damage
- Falling objects
- Freezing or burst pipes
- Weight of ice and snow
- Vandalism and theft of personal property
This coverage ensures that both your home and personal belongings are protected against the unexpected.
What’s Not Covered
Certain types of damage are not included in a standard homeowners policy, such as:
- Earthquake damage
- Flooding
- Water backup or sump overflow
- Damage from rodents, insects, or vermin
However, optional coverage can be added to protect against these risks. We also recommend considering Home Systems Protection and Service Line Coverage—newer endorsements that help pay for the repair or replacement of vital home systems and underground utility lines.
Tailored Protection for Your Home
Every home and homeowner is different. Kampakis Insurance will work with you to build a policy that fits your property, your lifestyle, and your peace of mind. Whether you own a house, condo, or rental property, we can help ensure your investment stays safe and your family is covered.