Beautiful modern home exterior

Coverage Built Around the Way You Live.

Every homeowner deserves a policy that works in the background and steps up when it counts. We keep it simple - fair rates, clear terms, and real people on the other end of the line.

Plans Shaped for Your Home

Home structure protection

Structure Coverage

Your walls, roof, and foundation carry the weight of everything you love. We help keep them standing strong, no matter what comes along.

Belongings and property protection

Property Protection

From furniture to electronics, your personal items hold real value. Our plans make sure the things inside your home are looked after too.

Liability and extra coverage

Liability Shield

If someone gets hurt on your property, costs can add up fast. This coverage handles legal and medical expenses so you don't have to worry.

Family enjoying their home together

We're here to help you feel safe at home.

"When your home is protected, everything else falls into place. That's the kind of certainty TopTierInsure delivers."

Home insurance shouldn't feel confusing or stressful. We built our plans to be clear, fair, and actually useful when you need them. Every homeowner deserves a policy that works quietly in the background and shows up when it matters most.

Verified claim support
Savings built in
Hassle-free filing
Reliable protection

Homeowners Pick Us for a Reason

Trusted Policies

Each plan is designed to hold up when it matters. No hidden terms, no last-minute surprises during a claim.

Always-On Support

Talk to a real person when you need help. Our team is available around the clock to guide you through anything.

Fair Pricing

Good coverage shouldn't drain your wallet. We offer honest rates that give you more without charging more.

Flexible Options

Pick what fits your home. Whether it's a condo or a family house, your plan can bend to match your needs.

Built on Honesty

We say what we mean. Every policy detail is laid out plainly so you always know what you're getting.

Quick Claims

When something goes wrong, waiting around makes it worse. Our claims process is built to move fast and keep you informed.

What Homeowners Say About Us

"We had a pipe burst on a holiday weekend and honestly expected a nightmare. Instead, the TopTierInsure team picked up right away and walked us through every step. The whole claim was handled within days."

- Marcus Elliot

"After a severe hailstorm damaged our roof, I was worried about the repair costs. TopTierInsure processed everything quickly and even helped us find a trusted contractor. Truly stress-free home protection."

- Sandra Kelley

"Switching to TopTierInsure saved us nearly 30% on premiums without losing a single benefit. The policy is straightforward, the support team is responsive, and I finally feel good about my home insurance."

- David Chen

"A break-in left us feeling shaken and vulnerable. Our agent at TopTierInsure not only guided us through the claims process but checked in on us personally days later. That human touch made all the difference."

- Priya Ramirez

"We just bought our first home and had no idea where to start with insurance. TopTierInsure explained everything in plain English and built us a plan that actually fits our budget. Couldn't be happier."

- Jordan & Mia Thompson
Protected home with insurance coverage
Happy family at home

Real people. Real coverage. Real peace of mind.

Getting Covered Shouldn't Be Hard

01

Share Your Details

Tell us about your property's size, location, and priorities.

02

Compare Plans

Review tailored options and pick coverage that fits.

03

Confirm & Activate

Lock in your plan - your policy starts immediately.

04

Live Worry-Free

Focus on enjoying your home with full peace of mind.

Protection that keeps up with your life.

Homes change over time. You renovate, add new things, or grow your family. Your coverage should keep pace with all of it. We designed our approach to stay useful, not just at the start, but for the long run.

Adapts as You Grow

Update your policy easily whenever your home or needs change. No paperwork headaches.

Clear From Day One

Every detail in your policy is written in plain language so you always know where you stand.

Ready When You Are

File a claim or make changes at any time. We designed our process around your schedule, not ours.

Modern protected home
Full home coverage included

Your Home Deserves Better Coverage.

It takes just a few minutes to see what's available for your home. No pressure, no long forms. Just clear options you can trust.

Get Quotes

Feel settled, even when things go sideways.

Unexpected events don't send a warning first. Whether it's a storm, a break-in, or a burst pipe, having the right coverage means you can handle it calmly. That's what real peace of mind looks like.

Storm and Weather Damage

Wind, hail, fallen trees - whatever nature throws at your home, your plan is there to help you recover quickly.

Theft and Vandalism

If someone breaks in or damages your property, your policy helps replace what's lost and repair what's broken.

Accidental Damage

Everyday accidents can lead to serious costs. From water damage to electrical faults, you're covered for the unexpected.

Peaceful home environment

Things Homeowners Often Ask

What does a standard home insurance plan include?

A standard plan usually covers your home's structure, personal belongings, and liability if someone gets injured on your property. It also includes coverage for temporary living expenses if your home becomes unlivable after a covered event.

Can I adjust my coverage after signing up?

Absolutely. You can increase or reduce your coverage at any time. If you renovate your home or buy new items that need protecting, just reach out and we'll update your plan to reflect the changes.

How fast can I get a claim settled?

Most straightforward claims are processed within a few business days. For larger or more involved claims, we assign a dedicated contact to keep you updated every step of the way so nothing feels unclear.

Does home insurance cover flooding?

Flood damage is not part of a standard home insurance plan. However, we offer add-on coverage specifically for flood protection. If your home is in a flood-prone area, we'll help you figure out the best option.

What factors affect my premium?

Several things play a role - the size of your home, its age, location, building materials, and the level of coverage you choose. Safety features like smoke detectors and security systems can also bring your cost down.

Is renter's insurance the same as home insurance?

Not quite. Renter's insurance covers your personal belongings and liability, but not the building itself. Home insurance covers the full structure plus everything inside. If you own the property, home insurance is what you need.