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Homeowners Insurance

Exceed Insurance offers the best Homeowners insurance in the US at competitive prices. Our offices are based in Sacramento and Indianapolis. Get in touch with our experts for instant home insurance quotes. 

A standard homeowners insurance policy insures the home itself and the things you keep inside. By having homeowners insurance, you can financially protect yourself if there’s an accident. Contact our agency today to learn more about homeowners insurance or to get a no-obligation quote.

What Is Homeowners Insurance?

Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.

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Do I Need Homeowners Insurance?

While purchasing a home insurance policy may not be mandated by the federal, state or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate homeowners insurance is always a good idea as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.

How to Get Homeowners Insurance?

If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give Exceed Insurance Agency a call today to get started or request your free quote now.

Talk To Our Insurance Expert

Ultimately, the goal of an award-winning insurance company is to provide its customers with peace of mind and financial protection in the face of unexpected events.

Regions We Serve

Exceed Insurance is a leading homeowner’s insurance service provider across all states in the US. Our expertise is providing tailor-made homeowner’s insurance policies to fit your specific needs nationwide. We are the go-to choice for homeowner’s insurance, regardless of where you are in the United States

We provide the best Homeowner’s insurance services in the following states across the US.

East Coast




Great Plains

West Coast

Mountain West


Exceed Insurance’s homeowner’s coverage is available for everyone, no matter where you are in the United States.


Homeowners insurance is a financial safety net that protects your home and belongings from unexpected events like fire, theft, and weather damage.

Even a minor incident can cause significant financial strain. Homeowners insurance helps cover repairs, replacements, and even temporary housing if your home becomes uninhabitable.

We offer various plans to fit your needs, including:

  • HO-3 (Standard): Covers your dwelling, belongings, and liability.
  • HO-5 (Comprehensive): Offers broader coverage for your belongings.
  • HO-6 (Condominium): Protects your condo unit and personal belongings.

The cost depends on several factors, like your home’s location, value, rebuild cost, and chosen coverage. We’ll help you find an affordable plan that fits your budget.

Getting a free quote is easy! Simply contact Exceed Insurance or visit our website to answer a few quick questions.

We offer renter’s insurance to protect your belongings from damage or theft.

Standard policies typically cover damage caused by fire, theft, and some weather events. For flood or earthquake coverage, additional policies might be needed.

Installing security systems, maintaining your home, and increasing your deductible can potentially lower your premium. We can discuss these options with you.

Our dedicated team will guide you through the process, working diligently to get your claim settled quickly and fairly.

We’re here to help! Our experienced agents can answer any questions you have about finding the right homeowners insurance coverage for your specific needs.

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