Homeowners Insurance

To each their home.

At Prepared, our goal is to provide the right home insurance to fit your specific needs. That’s why we offer a menu of options for you to choose from instead of a standard homeowners policy (HO3) package. You still get a comprehensive personal property and liability policy, but at a better value by only purchasing the coverage options you need.

Every homeowners HO3 policy includes:

  • Dwelling coverage up to $2 million
  • More than a dozen optional endorsements
  • Multiple available Policy Discounts
Prepared home insurance policies are customizable with over a dozen options to help you find the exact coverage you need.

Enhance your coverage

The Prepared Insurance Titanium Package was designed for homeowners to protect what matters most.

Titanium Package

Our Titanium Policy Package provides the highest level of coverage protection, allowing you to add several enhanced coverages for one discounted price.

Equipment Breakdown Coverage safeguards you against mechanical and pressure system breakdown.

Equipment Breakdown and Service Line Coverage

Learn about our optional equipment breakdown and service line coverages that could you save you money over costly home warranty plans.

Your homeowners policy does not cover flood damage. To protect your valuables, you must purchase a separate flood policy.

Flood Insurance

Flood damage is not included in your homeowners policy. We recommend a flood insurance policy to keep your family and belongings protected in the event of the #1 U.S. natural disaster.

Your local insurance agent can help you navigate all the options to find the right coverage that fits you and uncover all possible discounts.

We believe more choice means better coverage and better value

Optional endorsements include:

  • Screen enclosure and carport
  • Personal injury protection
  • Limited screened enclosure and carport coverage
  • Personal property replacement cost
  • Scheduled personal property
  • Structures rented to others
  • Golf cart physical damage and liability
Every Prepared homeowners policy includes more than a dozen optional endorsements.

Policy Discounts to help you save

We offer a wide range of policy discounts for your home insurance to provide the best coverage at the best value. Explore all our available discounts.