HOMEOWNERS Insurance

Protecting the Place
You Call Home

Your home isn’t just a roof over your head—it’s your family’s foundation. That’s why Wizard Insurance provides homeowners insurance that goes beyond the basics, covering everything from fire and theft to liability and natural disasters. Whether you’re in California, expanding in Texas or Arizona, or settling down in Colorado, Tennessee, or Nevada, our policies are built to protect what matters most.

Coverage for your home, peace for your mind.

What Homeowners Insurance Covers

Dwelling Coverage

Essential in every homeowners insurance policy, this protects the physical structure of your home against perils like fire, wind, and vandalism—vital for homeowners in states like California and Texas.

Liability Protection

Provides financial protection if someone is injured on your property or if you accidentally cause damage to another’s. A crucial part of standard home insurance in Arizona, Colorado, and beyond.

Personal Property Protection

Covers replacement costs for belongings damaged or stolen, including furniture, electronics, and clothing. A key feature in affordable home insurance across California and neighboring states.

Loss of Use / Additional Living Expenses

Offers coverage for temporary housing and living costs if your home becomes uninhabitable. Often included in top-rated homeowners insurance quotes.

Optional Endorsements

Add earthquake insurance, flood coverage, or protection for high-value items. Customizable options for homeowners insurance in areas like Tennessee and Nevada.

Other Structures

Protects detached garages, sheds, and fences—important for suburban and rural properties insured under California homeowners policies and similar offerings.

Why Home Insurance Matters

Life is full of unexpected events—but with the right homeowners insurance, you won’t face them alone. Our policies help you bounce back from disasters with speed and security. At Wizard Insurance, we take time to understand your home’s unique needs, offering tailored protection and fast, friendly claims support whenever you need it.