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Real People. Real Results.

4.9/5

"Great experience from start to finish!"
Shelby Hodges
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Shelby Hodges
"Excellent pricing, and unparalleled customer service. Extremely satisfied"
Jon-Erik Frederickson
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Jon-Erik Frederickson
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
Chris Radentz
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Chris Radentz
"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."
Daniel Tighe
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Daniel Tighe
"Alex Lopez was great! Very responsive and will work his tail off for you."
Scott Cordella
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Scott Cordella
"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"
Melanie Davis
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Melanie Davis
"Super helpful and professional! Highly recommend!!"
Brent Craft
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Brent Craft
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
Jon Allen
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Jon Allen
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
Jiggs Hospitality
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Jiggs Hospitality

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US Assure

What does my home insurance cover?

Dwelling Coverage

Dwelling Coverage

This first section of coverage provides coverage for the actual home itself. It is important that the value limit of this coverage be set to at least the amount equal to what it would cost to rebuild your home, otherwise known as your replacement cost coverage.
Other Structures

Other Structures

The Other Structures section provides coverage for other items on your property such as fences, sheds, and detached garages. Typically this coverage is set to about 10% of your Coverage A, but it should be adjusted up if there is a need for increased coverage limits.
Personal Property

Personal Property

One easy way to describe what this covers is if a house was to be turned upside down and shaken, what would fall out is what would apply to this coverage section. Examples of personal property include, furniture, electronics, clothes and toys.
Loss of Use

Loss of Use

This coverage provides for reimbursement for additional living expenses in the case that a covered peril caues damage to your home that makes it unlivable. In this case you may need to move out of the home and rent a different home or a hotel room in the interim.
Liability Coverage

Liability Coverage

This section provides protection against things like medical bills and legal fees if someone happens to be injured on your property or in the case you are found liable, ie if your dog bites someone. Certain factors can make your home more risky in this regard. Examples include trampolines and pools.
Medical Payments

Medical Payments

This section provides protection against payments for minor medical bills to those injured on your property. The typical coverage amount for a standard policy is limited to $5,000 per claim. It is possible for this portion of the policy to provide a payout even when the injury was not your fault.

Frequently Asked Questions

We get it. Home insurance is complicated. We're here to help clear things up.

What is home insurance for?

Home insurance is a promise to pay in the event of a covered loss, up to the coverage limits in the event of a total loss. Insureds pay premiums in return for the assurance that they will be made whole in the event of a loss.

Does home insurance cover floods?

Homeowners insurance does not protect against losses from floods. Homeowners need to purchase a separate policy to protect against floods. Flood insurance covers damage caused by rising waters.

What is an insurance deductible?

A deductible is the amount paid by the insured in the event of a claim. This is typically deducted from the overall payout by the insurance company in the event of a loss.

Am I required to carry home insurance?

Most states don't require homeowners insurance. If the home is financed, the lender will require home insurance to protect their risk exposure. For most people, a home is their largest investment and it is a good idea to protect it.

Does a home insurance policy cover hurricanes?

Typically home insurance policies cover wind as one of the named perils. This includes damages caused by a hurricane. Make sure to check the policy includes wind and in some instances it may have a separate deductible. This often can be quoted in terms of a percentage of the Coverage A: Dwelling limit.

How much home insurance do I need?

At a minimum, homeowners should purchase enough coverage for their home (or dwelling) to cover the cost to rebuild the home to the same standard as it exists today. Additionally, homeowners should buy enough liability coverage to protect their personal assets.

What is the difference between ACV and RCV?

RCV, or Replacement Cost Value, provides coverage for full replacement.

Do I have to wait to switch my policy?

You can switch your policy at any time. We are here to help in the process. Most insurance policies provide a refund for any unearned premium that has already been paid. We can then put your policy in place right away.

Do I need home insurance if I am renting?

If you are renting a home, your landlord should carry a policy that protects their property. As a tenant, the correct policy to carry would be a renter's insurance policy, which covers against liability and personal property risks.

What is a central alarm system?

In order for an alarm system to qualify as being centrally monitored, the system and alerts must be monitored off site. A centrally monitored alarm is monitored around the clock, and in the event of the alarm being activated, the service provider will notify the appropriate authorities.