Give Yourself the Peace of Mind You Deserve

Protect your home and the many valuables important to you and your family with a policy from Top One Insurance, your trusted insurance agency. With a variety of policies from different insurance companies, we can compare rates and coverage's to get you the most appropriate coverage for the least amount of money.

Unlike most insurance companies we don’t just see a house we see a Home.

Our licensed insurance specialist will ensure that you attain adequate coverage to protect your personal belongings along with your home.

Home is your personal haven and most likely your largest investment, so be sure to protect it with the right homeowners insurance policy. We are here to help find you the policy that best fits you and your family's needs.

Homeowner’s Insurance Coverages

Dwelling Coverage

  • This pays to repair and rebuild your home. It's important that you have enough dwelling coverage that will cover the cost to rebuild your home.

Loss of Use Coverage

  • This covers the costs, such as a hotel room, if you have to move out of your home while it's being repaired or rebuilt.

Personal Property Coverage

  • This covers damages to items such as clothing, furniture and electronics.

Liability Insurance

  • This covers you in the event of a lawsuit in case you or your family members are responsible for causing injuries or damages to other people on your property.

Other Structures Coverage

  • This covers damages to structures that are not connected to your home, such as a garage, shed or fence.

Additional Optional Coverage

Scheduled Personal Property Endorsement

  • Also called a personal article floater. With this coverage, possessions, including jewelry, guns, paintings, coins, computers, antiques, etc., are covered. Every item is itemized and detailed in the floater.
    • Example: This pays for expensive jewelry such as a wedding ring.

Flood Insurance

  • Floods Are The #1 Natural Disaster In The U.S. You don't have to live in a high-risk flood zone to be affected by a flood. Floods and flash floods can occur anywhere, even in the desert. Just an inch of water can cause damage to your property.
  • Get Flood Insurance now.

Earthquake Insurance

  • Providing complete protection from the damage and loss caused by an earthquake.
  • In the Event of the “Big One”
  • While no-one can foresee when the next big quake might hit, you can ensure that your home and belongings will be protected when it does with earthquake protection up to $2.5 million. Not having earthquake insurance could mean big problems in the event of the Big One.

Flexible Coverage Solutions

  • Coverage can be provided alongside a standard HO-3 policy or on a standalone basis. Complete coverage for your contents and up to $100K in loss of use. Even enhanced coverage for items such as pools and valuables.
  • Enhancing Your Home Policy for Less
  • Earthquakes can result in a financially devastating situation. Don’t let yourself or your family get caught off guard. Protect your most valuable asset by getting Earthquake insurance.
  • Call us now.

Renters Insurance Coverage

Whether you're renting a home, an apartment, or a condo, this is the place you call home. Protect your personal belongings, rest assured, and let us find you the policy that best fits your needs.

Personal Property Coverage

  • This covers damages to items such as clothing, furniture and electronics.

Liability Insurance

  • This covers you in the event of a lawsuit in case you or your family members are responsible for causing injuries or damages to other people on your property.

Loss of Use Coverage

  • This covers the costs, such as a hotel room, if you have to move out of your home while it's being repaired or rebuilt.