What We Cover
Home Coverage
Full protection for your house from fire, weather, theft, and more.
Includes
- Dwelling / Structure
- Personal Property
- Liability Protection
- Loss of Use
- Medical Payments
Condo Coverage
Covers what your HOA master policy doesn't — your unit, your stuff, your liability.
Includes
- Interior Unit Coverage
- Personal Property
- Liability Protection
- Loss of Use
- Loss Assessment
Renters Coverage
You don't own the walls, but you own everything inside them. Protect it.
Includes
- Personal Property
- Liability Protection
- Loss of Use
- Medical Payments
- Identity Theft (add-on)
Vacation Rentals & Fix & Flip
Investment properties need specialized protection — not a standard homeowners policy.
Includes
- Dwelling / Structure
- Landlord Liability
- Loss of Rental Income
- Vacant Property Coverage
- Builder's Risk (Fix & Flip)
The Hard Truth
Is Your Home Actually Covered?
Most homeowners assume they are. Most homeowners are wrong.
Homes Are Underinsured
Half of all homeowners don't have enough coverage to fully rebuild their home after a total loss. That's not a small gap — that could be hundreds of thousands of dollars out of pocket.
Rise in Rebuild Costs
Construction costs have surged 30–60% in recent years due to labor shortages, material prices, and supply chain issues. If your policy hasn't been updated, you're already behind.
Market Value ≠ Rebuild Cost
Insuring based on what you paid for your home is one of the most common — and costly — mistakes homeowners make. What you paid has nothing to do with what it costs to rebuild.
Your Policy Hasn't Kept Up with Inflation
If you haven't reviewed your homeowners policy in the last 2–3 years, there's a real chance your home coverage limit is significantly lower than what it would actually cost to rebuild your home today. Rising labor costs, materials, and permits all add up fast — and your insurer isn't automatically adjusting your coverage for you.
What You Paid ≠ What It Costs to Rebuild
Market value includes the land, location, and market conditions — none of which matter when you're rebuilding from the ground up. Rebuild cost is based purely on labor and materials. Many homeowners insure for $350K because that's what they paid, when the actual rebuild cost is $500K+. That gap is your problem, not your insurer's.
The Part People Don't Realize
They Don't Find Out Until It's Too Late
Coverage gaps only show up when there's a claim — and by then, it's locked in.
Most Agents Never Re-Review
People stay underinsured for years — sometimes decades — without anyone catching it. Once the policy is sold, most agents move on.
"Cheapest" Usually Means Least Protected
A lower premium often means stripped-down coverage. You're not saving money — you're just delaying when you'll pay it.
You Only Find Out on Claim Day
By the time you discover a gap, it's too late to fill it. The policy you have on the day of the loss is the one you're stuck with.
The Real Differentiator
The Difference Isn't the Company.
It's Who Structured the Policy.
A Great Agent
- ✓Reviews your policy annually
- ✓Adjusts limits for rising costs and life changes
- ✓Builds coverage around your actual situation
An Average Agent
- ✗Sets it and forgets it
- ✗Sells on price alone
- ✗Leaves you exposed without knowing it
Why ACI?
✓ Tailored Coverage — Every home is unique. We customize your policy to fit your needs.
✓ Competitive Pricing — Shop the best rates from quality carriers.
✓ Expert Support — Our team understands the importance of protecting what matters most.
✓ Fast Claims — When you need us, we're there for you.
What Your Policy Might Be Missing
Common Gaps People Don't Know They Have
These aren't edge cases. They're the things that blindside homeowners every day.
No Guaranteed Replacement Cost
→ If your home costs more to rebuild than your coverage limit… you pay the difference. Out of pocket. No exceptions.
Limited Water Damage Coverage
→ Sewer backup, slow leaks, and certain water-related damage are often excluded from standard policies. Many homeowners only find out after filing a claim.
Roof Depreciation Clauses
→ Instead of paying for a full roof replacement, your insurer may factor in age and only pay a fraction of the actual cost. The rest is on you.
Low Liability Limits
→ One serious accident on your property — a slip, a fall, a dog bite — can result in a lawsuit that blows past your limits fast. Low limits can financially devastate a family.
No Coverage for High-Value Items
→ Jewelry, firearms, collectibles, and art are typically capped at very low limits (often $1,500–$2,500). If you have items worth more, they need a separate scheduled endorsement.