Homeowners Insurance

Homeowners Insurance

Your home is more than just a building—it's where your life unfolds, where memories are made, and where you feel most secure. At O'Grady Insurance, we understand the importance of protecting your sanctuary. Our homeowners' insurance policies are designed to provide comprehensive coverage that safeguards your home and everything in it. With our tailored solutions, you can rest easy knowing that your most valuable asset is protected against life’s unexpected events.

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What we offer

Dwelling Coverage

Protect the Structure of Your Home

  • Covers damages to the physical structure of your home, including the roof, walls, and foundation.
  • Essential protection against risks such as fire, windstorms, hail, and other perils.
  • Ensures that repair or rebuilding costs are covered if your home is damaged.


Personal Property Coverage to protect your belongings

  • Protects your personal items, including furniture, electronics, clothing, and more.
  • Covers loss or damage due to theft, fire, or other covered events, both inside and outside your home.
  • Options for extended coverage on high-value items like jewelry, art, and collectibles.
What we offer

Financial Protection from Accidents

  • Protects you if someone is injured on your property or if you cause damage to someone else's property.
  • Covers legal fees, medical bills, and other related expenses if you're found liable.
  • High liability limits available to protect your assets and financial future.

Additional Living Expenses (ALE)

Maintain Your Lifestyle During Repairs

  • Covers temporary housing and living expenses if your home becomes uninhabitable due to a covered loss.
  • Reimburses costs such as hotel stays, meals, and other living expenses during repairs.
  • Helps ensure minimal disruption to your life during unexpected events.
For Homeowners

Frequently Asked Questions

  • What does homeowners' insurance cover?

    Homeowners' insurance typically covers your home’s structure, your personal property, liability protection, and additional living expenses if your home is damaged.

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

    Yes, if you own high-value items such as jewelry, art, or collectibles, you may need additional coverage to ensure they are fully protected.

  • How can I reduce my homeowners' insurance premium?

    You can lower your premium by bundling policies, increasing your deductible, and taking advantage of discounts for safety features like alarm systems.

  • What is the difference between replacement cost and actual cash value?

    Replacement cost covers the cost to rebuild your home or replace belongings without depreciation, while actual cash value covers the depreciated value of your home or belongings.

  • How do I file a claim?

    Contact O'Grady Insurance as soon as possible to start the claims process. Our agents will guide you through each step to ensure a smooth and efficient experience.

Why choose us for your Homeowners Insurance?

Personalized Coverage for Your Home and Lifestyle

At O'Grady Insurance, we understand that your home is your sanctuary, and protecting it is a top priority. That’s why we offer personalized homeowners insurance policies tailored to your unique needs. Whether you own a house, a condo, or a vacation home, we ensure that your property and belongings are covered against life’s unexpected events, giving you the peace of mind you deserve.

Decades of Experience and Local Expertise

With over 45 years of experience serving our community, O'Grady Insurance has the local knowledge and expertise to protect your home effectively. We understand the specific risks homeowners face in our area, and we use this insight to provide you with the most comprehensive and reliable coverage options available.

Comprehensive Protection at Affordable Rates

We believe that quality homeowners insurance should be both comprehensive and affordable. By partnering with top-rated insurance providers, we’re able to offer robust coverage at competitive rates. Our goal is to give you the best possible protection for your home and belongings without breaking the bank.

Exceptional Customer Service

Your satisfaction and peace of mind are our top priorities. At O'Grady Insurance, we are committed to providing exceptional customer service, guiding you through the process of choosing the right coverage, and being there for you whenever you need assistance. From policy selection to claims support, we’re here to make sure your experience is seamless and stress-free.

We have insurance solutions for you

For auto owners

Customized Auto Insurance Policies

Looking for the perfect auto insurance coverage that fits your unique needs? O'Grady Insurance specializes in providing tailored auto insurance solutions, ensuring you get the best protection for your vehicle without any hassle.

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For Businesses

Reliable Business Insurance Solutions

Protecting your home and cherished memories is our priority. Our homeowners' insurance policies are designed to offer comprehensive coverage, giving you peace of mind knowing that your home is safeguarded against unexpected events.

Business Insurance
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