HRI HOMEOWNERS INSURANCE
Total Protection For Your Home
Shield your biggest investment with comprehensive, top-tier coverage designed for modern living. Get verified rates in under 2 minutes with zero obligation.
CORE COVERAGE PILLARS
Coverage Built For Reality
Complete homeowners protection engineered around three foundational pillars, safeguarding your structural investment, everyday belongings, and long-term financial security.
Dwelling Coverage
Shields the physical framework of your home—including roofing, load-bearing walls, foundations, and attached structures—against fire, windstorms, hail, and structural loss.
- Full structural replacement cost
- Roof, siding, & foundation repair
- Attached garages & private porches
Personal Property
Protects everything inside your walls—from fine furniture and consumer electronics to wardrobes and family heirlooms—whether damaged at home or stolen while traveling.
- Electronics, furniture, & appliances
- Off-premises worldwide protection
- Optional high-value item endorsement
Personal Liability
Guards your savings and future earnings if someone is accidentally injured on your premises, covering medical expenses, court settlements, and legal representation.
- Visitor bodily injury & medical bills
- Comprehensive legal defense counsel
- Accidental property damage coverage
FINANCIAL STABILITY & TRUST
Backed By Strength
Independent industry ratings and dependable capital reserves ensuring complete protection for your home.
A+ RATED
AM BEST
24/7
CLAIMS SUPPORT
$50B+
ASSETS PROTECTED
4.9 ★
CUSTOMER RATING
COMMON INQUIRIES & CLARITY
Clear Answers
Everything you need to know about deductibles, disaster protections, and claims so you can protect your property with absolute confidence.
How do deductibles work for different types of property damage?
Your standard policy deductible is a fixed dollar amount (typically $500, $1,000, or $2,500) that applies to most covered perils like fire, theft, or burst pipes. For severe storm or wind events in high-risk zones, a percentage-based deductible (1% to 5% of your dwelling coverage limit) may apply. We outline all deductibles transparently before you bind coverage.
Are flood, hurricane, and earthquake damages included automatically?
Standard homeowner policies cover hurricane-related wind and rain intrusion, but rising surface water (flooding) and earth movement require separate endorsements or standalone policies. We offer seamless multi-peril add-ons so all your regional hazard protections are managed in a single unified dashboard.
How quickly are typical insurance claims processed and paid out?
Emergency mitigation funds are typically dispatched within 24 hours of filing your digital claim. Standard property repairs are assessed by licensed adjusters within 2 to 4 business days, with instant direct-deposit disbursements made as soon as repair estimates are confirmed.
Providing homeowners with institutional-grade structural protection, transparent risk evaluation, and rapid claims settlement nationwide.
Coverage Solutions
- Dwelling & Structure Protection
- Personal Property Replacement
- Comprehensive Liability Defense
- Additional Living Expenses
- Severe Storm & Water Endorsements
Company & Trust
- AM Best A- Financial Rating
- Underwriting Transparency
- Claims Process & FAQs
- Privacy Policy & Security
- Terms of Coverage
Direct Assistance
24/7 Dedicated Claims Line:
1-800-474-HOME (4663)
Policy Services:
[email protected]
Headquarters:
100 Financial Center Blvd, Suite 800
Wilmington, DE 19801
HRI Insurance Services, LLC is a licensed property and casualty insurance agency (NAIC #48921). Policies are underwritten by affiliated rated insurance carriers. Coverage descriptions are for illustrative purposes only and do not replace formal policy terms, limitations, or state-specific exclusions. Equal Opportunity Insurer.
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