Home insurance (homeowners insurance) protects your house, personal belongings, and financial well-being if something goes wrong — from fires and storms to theft and liability claims. Your mortgage lender requires it, but the right policy does more than check a box. It gives you peace of mind that your family's biggest asset is fully covered.
Every policy is different. Here are the key coverages available for trucking insurance — we'll customize a package that fits your specific needs.
Covers the structure of your home — walls, roof, foundation — if damaged by covered perils like fire, wind, or hail.
Protects your belongings — furniture, electronics, clothing — if stolen, damaged, or destroyed.
Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property.
Pays for temporary living expenses — hotel, meals, rentals — if your home is uninhabitable after a covered loss.
Covers detached structures on your property: garages, sheds, fences, and pools.
Extra liability protection beyond your standard policy limits — for major claims that exceed base coverage.
Every homeowner needs home insurance — your lender requires it, and going without puts your biggest asset at risk. Even if your home is paid off, a single event like a fire or major storm could cost hundreds of thousands. The right policy protects everything under your roof.
See What You Can SaveFill out the form and a Nova Coverage agent will shop 50+ carriers to find you the best trucking insurance rate — usually within 24 hours.
We're not locked into one carrier. As an independent agency, we represent 50+ top-rated insurance companies — so we shop the market to find you the best coverage at the best price.
Your policy should cover the full replacement cost of your home — what it would cost to rebuild from scratch, not the market value. We help you calculate the right amount so you're never underinsured.
Standard policies typically exclude floods, earthquakes, and routine maintenance issues. We can add flood and earthquake endorsements or separate policies to fill these gaps.
Yes — and you should. Bundling home and auto with the same carrier often saves 15–25% on both policies. We shop bundles across all our carriers to find the best combined rate.
Common ways include increasing your deductible, installing security systems, bundling policies, maintaining a good claims history, and updating your roof and electrical. We'll help identify every available discount.
No — standard homeowners policies do not cover sewer or drain backup damage. This is one of the most common and costly surprises homeowners face. A backed-up sewer line can cause thousands in water damage to your basement, flooring, and belongings. The good news is that sewer and drain backup coverage can be added as an endorsement to your policy, usually for just a few dollars a month. We highly recommend it — ask your Nova Coverage agent to add it when you get your quote.
No. If you rent your home out — even temporarily — a standard homeowners policy likely won't cover you. Homeowners insurance is designed for owner-occupied properties. Once you start renting to tenants, you need a landlord insurance policy (also called a dwelling fire policy) which covers the structure, liability from tenants or visitors, and lost rental income. If you're thinking about renting out your property, talk to us first so we can make sure you have the right coverage in place.
Let Nova Coverage shop 50+ carriers for your best rate. It's free, fast, and no obligation.
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