You built a home. We help protect it. From the structure and everything inside it to your personal liability, ALKEME advisors compare coverage from multiple carriers to create a homeowners policy that fits your property, your lifestyle and your budget - with local guidance at every renewal and every claim.
Your advisor understands the homes, risks and rebuilding costs in your area. That local knowledge helps us recommend the right limits and coverage options for your property.
Home, auto, umbrella, flood, earthquake, life and financial planning, all under one roof. Our integrated approach closes the gaps that separate policies can leave behind.
We are more than a policy provider. With annual reviews, responsive service and guidance when you file a claim, we stay with you for the long term.
A standard homeowners policy brings protection for your home, your belongings and your personal liability together in one policy.
Helps repair or rebuild your home, including the roof, walls, floors and built-in systems, after a covered event such as fire, windstorm, hail or lightning.
Covers structures not attached to your home, such as a detached garage, fence, shed or guest house.
Helps replace furniture, clothing, electronics and other belongings if they are damaged or stolen, subject to policy limits.
Pays reasonable additional living expenses, such as temporary housing and meals, if a covered loss makes your home unlivable.
Protects you if you or a family member are legally responsible for injuring someone or damaging their property.
Helps pay medical bills for guests injured on your property, regardless of fault, up to your policy limit.
Whether you are buying your first home or protecting several properties, our advisors match you with coverage built for the way you live.
Primary Residences · High-Value Homes · Condominiums & Townhomes · Second & Vacation Homes · Rental Properties · New Homebuyers · Historic & Custom Homes · More
A standard homeowners policy does not cover everything. Our advisors identify the gaps up front and show you how to close them.
Standard homeowners policies do not cover flood. Add protection through the NFIP or a private flood policy.
Flood InsuranceEarthquake damage is excluded from standard policies. Add a separate policy or an endorsement.
Earthquake InsuranceJewelry, art and collectibles face dollar limits. Schedule them to insure their appraised value.
Know MoreA personal umbrella policy adds protection above your home and auto liability limits.
Umbrella InsuranceRanked by Insurance Journal as
the #16 biggest P/C agency
Number of ALKEME employees nationwide
Office locations across the United States
Amount of premiums written in 2024
A standard homeowners policy helps pay to repair or rebuild your home and other structures, replace your personal belongings, cover additional living expenses if you must live elsewhere during repairs, and protect you against liability claims if someone is injured on your property. Coverage depends on your policy, limits and state.
No. Standard homeowners policies exclude flood and earthquake damage. Flood coverage is available through the National Flood Insurance Program (NFIP) or private insurers, and NFIP policies typically have a 30-day waiting period. Earthquake coverage can be added through a separate policy or an endorsement.
Your dwelling coverage should reflect the estimated cost to rebuild your home at current construction prices, which can differ from its market value. Your advisor will also help you choose personal property and liability limits that reflect your belongings and your assets.
Yes. ALKEME advisors can coordinate your home, auto, umbrella and other personal coverages in one relationship. Bundling can simplify how you manage your policies and may qualify you for multi-policy discounts, depending on the carrier.
Getting coverage is simple. Contact our team or complete our online request form. We will learn about your home, explain your options and deliver a tailored quote so you can secure the right coverage quickly.