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.

Homeowners Coverage for All Your Needs

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In the event of a covered loss, get protection for your home and anything permanently affixed to it’s structure.

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Personal Property

This helps you pay the costs of fixing or replacing your personal belongings such as furniture and clothing if they’re damaged.

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Additional Structures

Separate structures on your residence premises, such as a detached garage or shed, also need protection in case of a loss.

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Loss of Use

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

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Personal Liability

Protect yourself if someone were to file a lawsuit against you, claiming you caused them bodily injury or property damage.

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Medical Payments

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

Homeowners Insights & Resources

  • Blog

    Fraud Alerts

    Following past hurricanes and other natural disasters, we have been alerted to fraudulent contractors pretending to work with insurance carriers…

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  • Blog

    Essential Resources for Storm Preparedness and Recovery

    Explore these valuable resources to access additional information and helpful resources related to hurricanes, storm preparedness, and recovery. These websites…

    Read More

Find an Agent

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.

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.

Available Discounts


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.

Virtual Experience

Equipment Breakdown Insurance

We welcome you to enjoy a virtual experience to learn more about the benefits of Homeowners Equipment Breakdown Insurance.

Do You Have Questions? We Have the Answers.

We have curated a comprehensive list of frequently asked questions to provide you with the information you need to make informed decisions.

Get in Touch

At Cypress Insurance, we are here to assist you with your insurance needs. Whether you have questions, need information, or want to discuss your policy options, our dedicated team is ready to help.