Homeowner's Insurance

Protect Your Home with Our Homeowner's Insurance

At Louis J Kirsch 3rd Insurance Agency, we understand that your home is more than just a place to live; it’s a significant investment and the heart of your family’s daily life. Our homeowner's insurance policies are designed to provide you with peace of mind by protecting your property and belongings against unexpected events.

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Dwelling Protection

Our homeowner's insurance covers the structure of your home, including the walls, roof, and foundation. This protection ensures that in the event of damage from perils such as fire, windstorms, or vandalism, you have the financial support to repair or rebuild your home.

Personal Property Coverage

This aspect of our homeowner's insurance covers the contents of your home, such as furniture, electronics, and clothing. Whether your belongings are damaged, stolen, or lost, our policy helps you recover the cost of replacing these essential items.

Liability Protection

Liability protection is a critical component of our homeowner's insurance. It covers legal expenses and damages if someone is injured on your property or if you accidentally cause damage to someone else’s property. This coverage can help you avoid significant out-of-pocket expenses in the event of a lawsuit.

Frequently Asked Questions

  • What does homeowner's insurance typically cover?

    Homeowner's insurance generally covers damage to your home's structure, personal belongings, liability for injuries or damages caused by you or your family members, and additional living expenses if you need to live elsewhere while your home is being repaired.

  • Are floods and earthquakes covered under homeowner's insurance?

    Standard homeowner's insurance policies do not cover damage from floods and earthquakes. However, you can purchase separate policies or endorsements for these specific perils.

  • How can I determine the amount of coverage I need?

    The amount of coverage you need depends on the value of your home and personal belongings. It’s essential to consider the cost to rebuild your home and replace your belongings, as well as potential liability risks. Our agents can help you assess your needs and determine appropriate coverage limits.

  • What should I do if I need to file a claim?

    If you need to file a claim, contact our agency as soon as possible. We will guide you through the process, help you document the damage, and work with you to ensure a smooth and timely resolution.

  • Can I bundle homeowner's insurance with other types of insurance?

    Yes, bundling homeowner's insurance with other policies, such as auto or life insurance, can often result in discounts and more convenient management of your insurance needs. Speak with one of our agents to explore bundling options and savings.

Secure Your Home

Don’t leave your home’s protection to chance. Contact Louis J Kirsch 3rd Insurance Agency today to discuss your homeowners insurance needs. Our dedicated team is ready to help you find the right coverage to protect your home and everything in it.


Your home is your haven, and with Louis J. Kirsch 3rd Insurance Agency, you can enjoy the peace of mind that comes from knowing it’s properly protected.

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