Replacement cost, not cash value
We push for guaranteed or extended replacement cost so a total loss actually rebuilds your home at today's prices.
HomeHome & Property Insurance
Ferrer Insurance Group
Protect the place your life happens.
From your first starter home to your third rental, we write homeowners, renters, condo, dwelling fire and landlord policies designed to rebuild what matters — at a price that actually fits your budget.
A closer look
Understand your options.
Add‑ons that matter
Flood, wind, earthquake, water backup, jewelry, service line and identity theft riders — layered only where you need them.
Landlord & rental coverage
DP‑3 dwelling fire, loss of rents and liability packages for single‑family rentals, multi‑units and short‑term rentals.
Coverage to discuss
The details make the difference.
Talk with an agent about the protections that fit your situation. Compare limits, deductibles and exclusions alongside the premium, rather than choosing on price alone.
- Homeowners (HO‑3, HO‑5)
- Renters & condo (HO‑4, HO‑6)
- Landlord / dwelling fire
- Flood & wind add‑ons
- Jewelry & valuables riders
- Umbrella liability up to $5M
Before we talk
Make your first conversation count.
A few details help us understand what you need and prepare a useful comparison. Do not send Social Security numbers, payment details or sensitive documents through the quote form or chat.
Book a Zoom meeting with us- 01Your property address, home type and approximate year built.
- 02Roof age, major updates and any special property features.
- 03Your current limits, deductible, renewal date and previous claims.
- 04Whether you live in, rent out or seasonally use the property.
Questions people ask us
How much does home insurance cost?+
Average U.S. homeowners policies run $1,200–$2,400 a year. Your rate depends on rebuild cost, location, roof age, deductible and prior claims. We shop 40+ carriers to find the lowest price for the same coverage.
What does homeowners insurance cover?+
A standard HO‑3 policy covers your dwelling, other structures, personal property, loss of use, personal liability and medical payments to others. Add‑ons include flood, wind, earthquake, jewelry and water backup.
Do I need flood insurance?+
Standard homeowners policies exclude flood. If you're in a FEMA flood zone — or near any coast, river or low‑lying area — we recommend a separate NFIP or private flood policy.
Can I bundle home and auto?+
Yes — bundling home and auto typically saves 15–27% and simplifies renewals, claims and billing.
Let’s get started
Your home & property quote
Tell us about the place you want to protect. We’ll follow up to discuss coverage and the details needed for a quote.
Mon–Fri · 11am–6pm
Closed Saturday & Sunday
Do not include Social Security numbers, payment details, identification numbers, medical history or sensitive documents. Submitting a request does not bind coverage.
Let’s talk about what you need.
Coverage, discounts and availability vary by carrier, location and underwriting. A quote request does not bind coverage; your policy documents determine the protection provided.