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Home & Auto Insurance

Discover the best Home & Auto plan for you and your family today!

At Lake Point Insurance Agency, we specialize in providing comprehensive home and auto insurance solutions. Our expert team is dedicated to protecting your most valuable assets with tailored policies from top-rated providers. Whether you're safeguarding your home or ensuring your vehicles are covered, we're here to provide personalized service and expert guidance. Trust Lake Point Insurance to secure your peace of mind—contact us today to find the perfect insurance plan for your needs.

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What is usually covered with home insurance?

Homeowners insurance, often referred to as hazard insurance, can safeguard your residence and possessions against unforeseen damage and loss. Additionally, it can provide coverage for various financial aspects including injuries on your property, legal claims against you, temporary living expenses during home repairs or reconstruction, personal liability, and medical payments. But what does it usually cover?

Dwelling coverage

Home insurance's dwelling coverage can reimburse you for repairing or rebuilding your residence in the event it suffers damage or destruction from covered incidents like fire, hurricanes, hail, lightning, and other specified disasters in your policy. It's important to note that typical dwelling coverage excludes compensation for damages caused by floods, earthquakes, or regular wear and tear. These policies can be purchased in addition to your normal dwelling coverage. Reviewing your policy details will provide clarity on what is covered.

Personal property

Personal property coverage can compensate you for repairing or replacing belongings such as furniture, clothing, electronics, and other personal items if they are lost, stolen, or damaged due to a covered incident. Typically, policies offer coverage for a percentage (usually between 50% and 70%) of the home's insured value, although this varies among insurers. It's important to note that certain high-value items such as jewelry, furs, art, and collectibles may not be fully covered unless you opt for additional riders or endorsements to your policy.

Gaby B.

Super friendly and accommodating staff. Brittany went above and beyond for me finding new homeowners insurance after my old ins companies rates went through the roof. Not only did she find me a cheaper policy but now I have better coverage also. Very easy to work with. They will be my go to insurance agency for all my future needs.

Crystal K.

Absolutely love Dan and his team ! Prompt , caring , and I have full confidence that they get me the best deal for my family!  From car to auto to home to health ! He’s your one stop shop!! Can’t go wrong !! Thanks guys for all your do for me and my Kaio family.

Meghan L.

Thanks to Dan making a post on FB I was able to connect with him. He has helped my family and my stress level so much words cannot explain. He was very patient and understanding of all my concerns and questions when it came to private health insurance. He also led me to help on getting lower home and auto insurance. I can’t thank him enough.


Why should you bundle your home & auto?

Bundling your home and auto insurance is a great way to save money, with some insurers advertising discounts up to 30%. Beyond the financial savings, bundling simplifies your insurance management by consolidating policies with one provider. It also streamlines communication and claims processes, ensuring a smoother experience when dealing with your insurance needs. Moreover, bundling enhances your coverage options and provides comprehensive protection across all your assets.

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Start a Quote

Use the button below to submit a copy of your declaration pages to us remotely! This will allow us to start your home and/or auto quote process sooner. Please note, we will still need to consult with you for additional information. Feel free to give us a call if you have any questions!

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