Homeowners

Insurance

Homeowners

You built it. We protect it.

Your home is one of your greatest achievements. Homeowners insurance protects the structure, your belongings, and your finances should someone get injured on your property. It also provides coverage for you and your family in the event of an accident that causes damage to someone else’s property. We compare various insurance providers to find the best coverage at the best price, and we explain everything in plain language.

Coverages

Required coverages vary by state.

Dwelling Coverage.

Covers the structure of your home against fire, hail, smoke, vandalism, and other covered events. We estimate the actual rebuilding cost to help prevent coverage gaps.

Other Structures.

Covers detached structures such as fences, garages, and sheds, as well as walkways and driveways. Coverage is often set at 10% of the home’s insured value and may be increased.

Personal Property

Protects furniture, clothing, electronics, and appliances. In other words, the belongings that would fall out if you turned your home upside down.

Loss of Use

Pays for temporary housing and additional living expenses if you need to live elsewhere while your home is being repaired after a covered loss.

Medical Payments to Others

Pays medical expenses for visitors injured on your property. It doesn’t cover you or members of your household.

Personal Liability

Protects you if someone is injured or their property is damaged and you’re legally responsible, anywhere in the world. Lawsuits are common, and this coverage helps protect your assets.

Scheduled Personal Property

Provides additional coverage for jewelry, collections, rugs, and other high-value items.

See where the risk lies

Choose an insurance, explore the scene, and click on the highlighted points. Each point reveals a real-world risk factor and the coverage that addresses it.

Choose the insurance

Use the list to switch scenes.

Click on the numbers

Hotspots mark risk situations.

Read the coverage

Risk and solution side by side.

Click the dots in the scene

How it works

From quote to policy in three steps

Tell us about your situation

What you want to protect, who needs coverage, and your history.

We compare insurers

We show prices and coverages side by side, and explain the differences.

You end with an active policy.

We handle the paperwork, and you receive the documents via email.

FAQ

Do you only assist Latinos?

Not at all! You don’t have to be Latino to join the Lumio family. We proudly serve our entire community.

I just bought my first home. Does the lender require insurance?

Yes. Buyers financing a home typically need proof of homeowners insurance before closing. We’ll help you get it taken care of quickly.

I don’t have a good credit history. Can I still get insurance?

Yes. Some insurers consider credit when setting rates, but each company evaluates it differently. We compare multiple insurers to find options that fit your profile.

Can I use this policy for a property I rent out?

No. Rental or vacant properties need a specific policy called a dwelling policy. Lumio can help you with that, too.

How do I get a quote?

Contact us by email, phone, or WhatsApp, or schedule a meeting. We’ll compare your current coverage with options from multiple insurers and send you the best matches.

Licensed

We know the requirements of each state we operate.

Independent

We get quotes from various insurance companies and compare them for you.

In your language

Support from the initial contact through to renewal.

Other products

Personal

Umbrella

An extra layer of protection for everything you’ve built

Personal

Auto

Protection for your car and everyone inside

Personal

Boat

Enjoy your time on the water with peace of mind

Personal

Renters

Renting? Your belongings also deserve protection

Find out how much your insurance costs

Free quote, no obligation, with a response within 1 business day.