+1 (678) 203-9043

Home Insurance Policy

Complete protection for your home, belongings, and liability

Policy Overview

Our Home Insurance Policy is designed to safeguard homeowners against financial loss caused by damage, theft, liability, and unexpected events. SMINSURES offers flexible coverage options to match your property and lifestyle.

Dwelling Coverage

Covers damage to your home's structure including walls, roof, flooring, and built-in systems due to fire, storms, or covered disasters.

Personal Property

Protects your furniture, electronics, clothing, and valuables against theft, fire, and accidental damage.

Liability Protection

Covers legal and medical costs if someone is injured on your property or if you accidentally cause damage to others.

What’s Covered

Fire & Smoke
Storm & Lightning
Theft & Vandalism
Water Damage*

*Coverage depends on policy terms and selected add-ons.

Policy Exclusions

  • Flood damage (requires separate policy)
  • Earthquake damage
  • Normal wear & tear
  • Intentional damage

Optional Add-Ons

  • Flood insurance
  • Earthquake coverage
  • High-value item protection
  • Loss of use coverage

Simple Claims Process

1. Report Claim

Contact us online or by phone to file your claim.

2. Assessment

Our experts assess the damage and coverage.

3. Settlement

Fast approval and fair compensation.

Our Privacy Policy for Home Insurance

1. Information We Collect

We collect personal information such as your name, contact details, property address, home features, occupancy details, and insurance requirements when you request a home insurance quote or service.

2. How We Use Your Information

Your information is used to provide accurate home insurance quotes, issue policies, manage renewals, process claims, and improve our services. We never sell your personal data.

3. Data Protection & Security

Sminsures uses secure servers, encryption, and industry-standard security measures to protect your personal and property-related information from unauthorized access or misuse.

4. Policy & Claim Records

Your home insurance policy details, coverage information, and claim records are securely stored and accessible only to authorized personnel.

5. Communication

We may contact you regarding policy updates, renewals, premium reminders, claims, or important service notifications. Promotional communications are optional and you may opt out anytime.

6. Cookies & Website Usage

Our website uses cookies to enhance performance, analyze traffic, and improve user experience. You can manage cookie preferences through your browser settings.

7. Third-Party Sharing
Sminsures does not sell, rent, or trade your personal information to third parties for marketing purposes.

Limited information may be shared with trusted insurance carriers, inspectors, or claims partners strictly for providing home insurance services.

8. Data Retention

We retain personal information only for as long as necessary to provide insurance services, comply with legal requirements, and meet regulatory obligations.

9. Data Breach Notification

In the event of a data breach, affected customers will be notified promptly, and immediate corrective actions will be taken to protect your information.

10. Your Privacy Rights

You have the right to access, correct, or request deletion of your personal data. Requests can be submitted by contacting our support team.

11. Children’s Privacy

Sminsures Home Insurance services are not intended for individuals under the age of 13, and we do not knowingly collect information from children.

12. Policy Updates

This Privacy Policy may be updated periodically to reflect changes in regulations, technology, or services. Updated versions will be posted on this page.

13. Legal Compliance

We comply with all applicable federal and state privacy laws to ensure transparency, security, and protection of customer information.

14. Contact Us

If you have any questions about this Privacy Policy or how your data is handled, you may contact Sminsures at [email protected] or call our customer support team.

Need Help Choosing the Right Policy?

Our insurance advisors are ready to help you customize the perfect home insurance plan.

Request Free Consultation

702 Old Peachtree Rd, GA 30024

[email protected]

+1 (678) 203-9043

Our Commitment

✔ Clear policy language

✔ Ethical insurance practices

✔ Reliable customer support