The market for homeowners' insurance has been a nightmare for the last couple of years. And without an end in sight, we need a creative solution that puts control back into the hands of the homeowner. That's why we offer home repair coverage. 

Here's how it works: you put a set amount in each month (calculated based on your home's assessed value), and that money is held against any damage to your house that you may need to repair or replace. Why not just use insurance? Well, that's because insurance companies are charging higher deductibles and paying for less than ever before. When you put in an insurance claim, not only do you have to put up a sizeable deductible, but your rate will also get raised, meaning you end up paying more and more just to line the insurance companies' pockets. But home repair coverage from Horizon is different. Your rate is based on the value of your home alone. that means your rate won't be raised for using it. This is 100% your money so the only limit on it is the amount you put in. Think of it like an emergency fund for your house. Oh, and did I mention that your money will be earning interest the whole time to make it inflation-proof? 

When you become part of the Horizon Family, you won't be treated like another number. We're not just trying to get your money. It is our goal to provide the highest quality customer service possible. This means we will go above and beyond to provide you with the highest quality service at the best rates. We aren't always the cheapest option, so if we have a contact in our industry with better prices, we'll point you to them. Because loyalty points both ways. As much as we want you to be loyal to us, we intend to show that same loyalty to you. It's just who we are.