Protect Your Home
Preserve Your Peace
Home Insurance That Has You Covered — Inside and Out
Your home is more than a place — it’s your foundation, your sanctuary, and one of your biggest investments. Brightplan’s home insurance helps you protect everything that makes it yours, from the roof overhead to the memories inside. Whether you own a house, condo, or rent an apartment, we offer flexible protection that shields your property, possessions, and peace of mind.
What’s Included in Our Homeowners Coverage
Brightplan policies are built to protect against life’s “what-ifs.” Here’s what’s typically covered
Helps pay to rebuild or repair your home if it’s damaged by fire, storms, lightning, or other covered events.
Covers things like fences, sheds, or detached garages on your property.
Protects your furniture, clothes, electronics, and valuables from theft, fire, or other covered losses — whether they’re at home or temporarily away.
If your home becomes unlivable due to a covered event, we’ll help cover hotel stays, meals, and other living costs while repairs are made.
If someone gets hurt on your property — or if you accidentally damage someone else’s — this coverage helps with legal costs, medical bills, and settlements.
Covers minor medical expenses if a guest is injured at your home, regardless of fault.
Customize Your Protection with Optional Add-Ons
Want extra peace of mind? These additional options help strengthen your safety net
- Water Backup Coverage: Helps with damage from backed-up drains or sump pumps.
- Scheduled Personal Property: Get additional coverage for high-value items like jewelry, art, or collectibles.
- Identity Theft Restoration: Support and reimbursement if your identity is stolen.
- Green Rebuilding Upgrade: Rebuild or repair your home with energy-efficient materials.
Ways to Save on Home Insurance
We believe protection shouldn’t break the bank. Brightplan offers several ways to lower your premium
- Bundle with Auto – Combine policies and save more.
- Claim-Free Discount – No recent claims? You could get rewarded.
- Protective Devices Discount – Have smoke alarms, security systems, or smart home tech? You may qualify for savings.
- New Home or Renovation Discount – Newer homes or recent upgrades can reduce your risk — and your rate.
Who We Cover
We offer specialized plans for a variety of property types
No matter where or how you live, we’ve got a plan that fits.
Frequently Asked Questions
At minimum, you’ll want enough to fully rebuild your home at today’s construction costs. You should also consider coverage for personal items, liability, and living expenses if your home becomes temporarily uninhabitable.
Standard homeowners insurance doesn’t cover flood or earthquake damage. However, we can help you add separate policies or endorsements for that extra protection.
Yes. Your personal property is typically covered even when it’s temporarily outside your home — like in your car, hotel, or luggage.
Absolutely. You can update your policy anytime if you move, renovate, or purchase high-value items. We’re here to make changes easy and fast.
If you’re a landlord or rent your home short-term, we offer policies specifically designed for rental properties and the unique risks that come with them.