Homeowners Insurance

At Karstens Financial we know your home is both your most important investment but also your own unique paradise.  Our goal is to preserve and keep it for your family.  We understand the types of coverage that are most claim and should be most important to you.

Basic homeowners insurance coverages


Helps protect your home’s structure, built-in appliances and wall-to-wall carpet from damage.


Helps cover your personal property not attached to or built into your home, such as furniture and clothing.

Personal liability

If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

Medical payments to others

May help pay for medical or funeral expenses of someone who is injured on your property.

Ordinance or law insurance

May help pay to rebuild your home to current building codes after a covered loss.

Other structures

Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.

Loss of use

Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.

Optional homeowner insurance coverages

Identity theft

Helps keep personal data secure amid a growing number of risks and cybercrimes.


Provides additional coverage for high-value items such as jewelry, watches, antiques and fine art.

Replacement cost plus

Can pay up to an additional 20% of your property coverage limit if your home needs to be rebuilt after a loss.

Water backup

Expands coverage if water backs up through your sewer or drains, or your sump pump overflows.


Provides additional coverage for earthquake damage. A separate deductible applies.

Flood insurance

This option protects your house and its contents from flood damages. It is a separate policy with its own deductible.

Sewer, Water, and Electrical Line (Home Warranty)

Sewer, Water, Electrical Line and Machine Breakdown.  A lot of our home insurance now include what we call as a Home warranty program and not much extra cost.  Imagine having you sewer line break and having your insurance pay for it.  This is a great extra!


Ways to save on your homeowners insurance

Dependable homeowners insurance shouldn’t have to strain your family’s budget. Nationwide helps you get affordable insurance by offering a range of home insurance discounts. Find out which homeowners insurance discounts you qualify for and start your quote today.


Combine and save. Get a discount on home and renters insurance when you bundle your property and auto insurance with Nationwide.

Protective device

Get a discount if your home has smoke detectors, fire alarms, burglar alarms or other qualifying devices.


You may qualify for a lower premium on your home insurance when you stay claims-free.

Home renovation credit

Get a discount for renovating your home’s plumbing, heating, cooling or electrical systems.

Roof rating

Save based on your roof’s age and surface type.

Home purchase

Receive a discount if you purchased a home within the last 12 months.

Prior insurance

This discount is available to new members and is based on the number of years you were continuously insured by your previous carrier.

Gated community

A discount is available when all vehicle entrances to your community are protected at all times by security guards, residence cards or key-lock devices.

Learn more about the types of claims that happen to your home!

What percentage of Non-Weather-Related claims happen?
How many claims from lighting happen?
How many homes have hurricane exposure?
How many home fire happen each year?