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We Provide A Higher Level of Home Coverage

Your home is more than just a building. It holds your memories, your comfort, and your future. Our policies are built to keep all of that safe, so you never have to worry about what comes next.

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Bundle and save.

Pair your home policy with other coverage options and unlock extra savings along the way.

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What Makes first american ins Different

Guard your home with a policy that actually goes the extra mile.

We started with one simple idea: homeowners deserve insurance that works for them, not against them. Every policy we write is shaped around real needs, not cookie-cutter templates. Our team listens first and builds coverage second. From kitchen fires to storm damage, we have got you covered with plans that flex around your life.

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Home Coverage That Fits Your Life

Dwelling Protection

Covers the physical structure of your home if it gets damaged by covered events like fire, wind, or hail. You pick the amount that matches your rebuilding cost.

Personal Property

Your furniture, electronics, clothing, and other belongings are protected if they are stolen or damaged. We help you replace what matters most to your daily life.

Liability Shield

If someone gets hurt on your property, this part of your plan helps cover medical bills and legal costs. Choose between $1 million or $2 million in protection.

Water Damage

Burst pipes, overflowing appliances, or sudden leaks can cause serious trouble. This coverage steps in to help you handle repairs and get your home back to normal fast.

Benefits You Can Count On

24/7 Claims Service
Multi-Policy Discount
Loss of Use Coverage
Flexible Options
Easy Online Quotes
Filing claims

24/7 Insurance Claims

When something goes wrong at home, you should not have to wait until morning. Our claims team is ready around the clock to walk you through every step.

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Protection That Puts You First

We believe insurance should be straightforward, fair, and built around the people it serves. Here is what sets us apart from other providers.

Policies tailored to your home and budget, never one-size-fits-all plans that leave gaps in your protection.

Fast claims processing with a real person on the other end, not a chatbot or automated phone tree.

No hidden fees, no surprise rate hikes, and no confusing paperwork to sort through at the worst possible time.

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Three Simple Steps to Get Covered

01

Request a Quote

Share a few details about your home and get a free quote in minutes.

02

Pick Your Plan

Review your options and choose the coverage that fits your budget.

03

Enjoy Peace of Mind

Your policy goes live and we are here whenever you need us.

Got Questions? We Have Answers

What does a home insurance policy typically cover?

Most home policies protect the structure of your house, your personal belongings inside, and your liability if someone gets injured on your property. They also cover additional living costs if your home becomes unlivable due to a covered event like a fire or major storm.

How do I know how much coverage I need?

A good starting point is figuring out how much it would cost to rebuild your home from scratch. Our team helps you calculate that number, then builds a plan around it. We also look at the value of your belongings and suggest a liability limit based on your situation.

Are floods and earthquakes covered?

Standard home policies usually do not include flood or earthquake coverage. However, we offer separate add-on options for both. If you live in an area prone to either risk, we strongly suggest adding those to your plan for full peace of mind.

Can I adjust my policy after I sign up?

Absolutely. Life changes, and your insurance should keep up. Whether you renovate your kitchen, add a pool, or buy expensive equipment, just give us a call and we will update your coverage to reflect the changes.

How fast can I get a claim processed?

We aim to review and respond to every claim within 48 hours of receiving it. For urgent cases, our priority line connects you directly to a senior representative who can fast-track the process and get things moving right away.