Comprehensive Homeowners Protection

Protecting your home and property is one of the most important decisions you can make, and understanding the coverage included in your policy will help you make the right insurance decisions for you and your family. A Cypress Insurance Agent can provide you with a complete description of the Homeowner coverage we provide, and help tailor a policy to meet your unique needs.

Our Homeowners Coverage includes


Provides protection for the structure of your home in the event of a covered loss. For example: the walls, roof, or attached garage.

Personal Property

Provides protection for your belongings in your home such as furniture and clothing.

Other Structures

Provides protection for the separate structures on your residence premises, such as a detached garage or shed.

Loss of Use

Provides reimbursement for your expenses such as meals or lodging when your home becomes uninhabitable due to a covered loss.

Personal Liability

Provides protection for you if someone were to file a lawsuit against you, claiming you caused them bodily injury or property damage.

Medical Payments

Provides protection to someone not living at your residence if they are injured on your property.

Coverage you can count on!

Cypress also offers the following optional coverages and homeowner discounts to help meet your insurance needs:

Optional Coverage

  • Water Backup
    Coverage for damage to your home or personal property resulting from water which backs up through sewers or drains, or overflows from a sump.
  • Replacement Cost for Personal Property
    Provides loss settlement for your personal property on a replacement cost basis, rather than an actual cash value basis.
  • Scheduled Personal Property*
    Coverage for your valuable appraised items such as jewelry or fine arts.
  • Special Personal Property*
    Extends personal property coverage for additional risks other than named perils.
  • Equipment Breakdown*
    Coverage for physical loss caused by mechanical breakdown, rupture, bursting, implosion or steam explosion.
  • Ordinance or Law
    Covers increases in the cost to repair your home due to local laws or ordinances.
  • Identity Theft Expense Coverage
    Reimbursement for certain expenses like legal fees or lost wages that result from having your identity stolen..
  • Increased Loss Assessment
    Coverage for assessments charged by your property owners association for damage to communal property.
  • Dog and Other Animal Liability
    Personal liability coverage for loss caused by your animal(s).
  • Personal Injury*
    Coverage for personal injury to others such as false arrest, libel or slander.
  • Foundation Coverage**
    Coverage for damage to your foundation caused by water leaking from your plumbing.
  • Sinkhole Loss Coverage*
    Provides coverage for your home and personal property if either become damaged as the result of a sinkhole on your property.
  • Screened Enclosure*
    Coverage for hurricane loss to screened enclosures and carports.


  • Senior/Retiree
  • Secured Community
  • Protected Subdivision
  • Accredited Builder
  • Burglar Alarm: Central Station or Local
  • Fire Alarm: Central Station or Local
  • Sprinkler*: Total or Partial
  • New Home
  • New Purchase**
  • Roof Age
  • Companion Policy**
  • Loss Free Renewal**
  • Wind Loss Mitigation Features*
  • Roof Shape*
  • Superior Construction*
  • Community Building Code*
  • Cypress Builders Risk*

*FL Only
**TX Only
Please note that coverage options and discounts vary by state. Limits and exclusions apply. Coverage descriptions are for educational purposes only and do not imply or guarantee coverage included in a particular policy.