Get The Right Homeowners Insurance For Your Needs

Homeowners Insurance

Insurance protection that’s personalized specifically for your home

Because you are different from your neighbors across the street and your friends across town, we build your coverage with your specific needs in mind. At MTM, we help you to protect your home and your cherished possessions even if the unexpected occurs. To assist you in better understanding homeowners insurance,  please note the  four key types of protection as seen below.









Homeowners Insurance Protection For What You Value Most

Understand what homeowners insurance covers and four key coverage's to keep in mind:

Your homeowners insurance policy is customized for you and your budget. Some optional coverage's, you can include are as follows:


  •     Replacement Cost on Dwelling
  •     Replacement Cost on Contents
  •     Identity Fraud
  •     Water Damage for back up of sewer or drains and/or sump pump
  •     Personal Injury Liability
  •     Earthquake
  •     Valuable Articles such as jewelry, silver, furs, fine arts and other collectibles
  •     Fuel Oil Leakage Coverage
  •     In Home Businesses Coverage
  •     Dwellings Under Construction
  •     Loss Assessment
  •     Building Ordinance or Law
  •     Computer Coverage
  •     Equipment Coverage
  •     Service Line Coverage

Here is how we can help

Our knowledgeable licensed insurance agents can customize your insurance policy to meet all your needs. We have the ability to quickly compare prices and coverage with many insurance companies. Rates and coverage vary widely from state to state. As an independent agency, we can  "shop" your insurance policies and can help you find better options than you can get yourself.  In addition we can “bundle” your homeowner insurance with your auto insurance and offer you even greater discounts.


Think of us as your safety net. Contact us by phone or by completing the online quote request form below. A member of our team can assist you with a homeowner insurance quote.


Discounts & advantages

Save even more with insurance discounts


  • Higher Deductible Credits
  • Mature Homeowner Credit – age 65 or older
  • Protective Device Discounts – smoke detectors, fire extinguishers, dead bolt locks, fire alarm, burglar alarm and interior sprinkler system
  • Generator Credit
  • Freeze alarm/winterizing Credit
  • “Green “ Discount – clients elect to go “paperless” and receive their policies via email
  • Renewal Credit
  • No Animals Discount
  • Renovated Home Discount – for older homes that have been completely updated
  • 24 Hour Security Guard Discount – i.e. association complexes
  • New home Discount – for homes purchased within one year of policy issuance
  • Account Discounts for multiple policies
  • Discounts for clients who have been claims free for a period of time
  • First Time Home Buyer Discount
  • Newer Home Discount – age of construction under 20 years
  • Non-Smoker Discount
  •  Homeowners Insurance Quote Request Form

    We are here to help.  Our office hours are Monday through Thursday 8:30 am -5:00 pm and Friday 8:30 am to 4:00 pm.

    **Please be advised that we cannot bind or alter coverage via fax, voicemail, text or email**


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MTM Insurance Associates, LLC home page
MTM Insurance Associates, LLC home page
MTM Insurance Associates, LLC home page