Home Insurance

Coverage for primary residences, secondary homes, and vacation properties, including high-value and uniquely located homes.

Your home deserves more than a standard policy. Whether it’s your primary residence, a vacation home, or an investment property, Prizm helps ensure you’re covered appropriately.

Not all homeowners’ policies offer the same protection, and the gaps often aren't obvious until it's too late. We work with top carriers to provide high-quality coverage designed for high-value assets and complex needs so there are no surprises when you need support.
Coverage highlights
Guaranteed replacement cost: Rebuilds the home at its true current replacement cost on the existing property after a total loss even if the cost exceeds the policy limit
Cash settlement option: Pays up to the policy limit should you choose not to rebuild your home
Loss of Use: Reimburses you, potentially on an unlimited basis for increased living expenses to maintain your standard of living when you are unable to stay in your home after a covered loss
Back-up of sewers and drains: Covers damage up to your dwelling limit due to water backing up through sewers, drains or sump pump failure. This includes seepage and hydrostatic pressure
Large loss deductible waiver: Waives deductible for property losses over $50K
Replacement cost: Replaces damaged personal property at the full cost to repair or replace without a
deduction for depreciation
Building ordinance or law: Covers increased costs you incur caused by the enforcement of building codes for your home and other structures, potentially on an unlimited basis
Equipment Breakdown: Helps you manage unexpected, sudden, and accidental mechanical or electrical breakdowns not including wear and tear and cover the cost of diagnosing and repairing insured equipment
Service Line: Added protection to your homeowner policy to guard against potentially expensive failure of utility lines for water supply, waste disposal, electrical power, heating, communications, drainage, or compressed air lines
Coverage FeaturesStandard MarketPrizm
Guaranteed replacement costOften capped at 120-150%Included
Cash settlement
Backup of sewers and drainsMust be added to policyYes, up to dwelling cost
Equipment breakdown
Service line coverage
Large loss deductible waiver
Loss of useUsually capped at 10% of dwellingUnlimited
Just like your primary residence, secondary homes need dedicated coverage, especially since they often face unique risks.

For example, a home left vacant during freezing winters may face increased risk of pipe damage or structural issues. Homes in Florida and other coastal regions may face exposure to hurricanes and flooding.

Prizm can insure properties in all 50 states, so we’re able to coordinate coverage across locations with a single broker. Each property is properly insured and factored into your overall risk profile.
Having investment properties is a great way to create additional income streams, but they also come with their own unique set of risks.

Long-term rentals and short-term rentals require entirely different policies, and not all carriers are willing to take on these risks: and many that do, have a laundry list of exclusions that can leave you exposed.

Understanding the appropriate policy type and the unique risks that come along with rental properties is key to protecting your financial future. Prizm not only has the best available policies for investment properties, we also have the industry expertise to advise you on the coverage that you need.
Insurance tailored to the life you’ve built
Insurance doesn't have to be frustrating. With Prizm, you can get covered easily on your own or with help from a real person. It only takes a few minutes to get started, and everything happens online.

Start an Insurance Review

Insurance tailored to the life you’ve built
Insurance doesn't have to be frustrating. With Prizm, you can get covered easily on your own or with help from a real person. It only takes a few minutes to get started, and everything happens online.

Start an Insurance Review

For Advisors
A modern approach to risk protection.
Your clients trust you to grow their wealth. We help protect it. Prizm adds a layer of value to your offering through risk management solutions that complement your wealth management, estate planning, and financial planning services.

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