Protect Your Home, Your Family & Everything Inside It
Your home is your biggest investment. At Dora Brokerage Inc., we shop multiple top-rated carriers to find you the most comprehensive homeowners insurance at the best possible price — protecting your property, your belongings, and your family from the unexpected.
More Than Just a Policy — It’s Protection for Everything You’ve Built
Homeowners insurance is a package policy that combines property protection and personal liability coverage into one affordable plan. It protects your home’s structure, your personal belongings, and your financial wellbeing if someone is injured on your property or you accidentally cause damage to others.
Complete Homeowners Coverage — Built to Protect You From Every Angle
A standard homeowners policy from Dora Brokerage includes these essential protections — all customizable to your home and budget.
Protects the physical structure of your home
If your home is damaged or destroyed by a covered event, dwelling coverage pays to repair or rebuild it — including walls, roof, floors, built-in appliances and attached structures like garages.
Covers:
Coverage amount should reflect the full replacement cost of your home — not the market value
Protects structures separate from your main home
Covers detached garages, fences, sheds, driveways, swimming pools and other structures on your property that are not attached to your main home.
Covers:
Typically 10% of your dwelling coverage limit
Protects your belongings inside and outside your home
Covers the cost to repair or replace your personal belongings if they are stolen, damaged or destroyed by a covered event — even when you’re away from home.
Covers:
Optional: Schedule high-value items (jewelry, art, collectibles) for full replacement value
Pays your living costs if your home becomes uninhabitable
If a covered event forces you out of your home while it’s being repaired, this coverage pays for your temporary living expenses so your life doesn’t stop.
Covers:
Coverage typically 20–30% of your dwelling limit
Protects you if someone is injured on your property or you accidentally cause damage
If a guest slips and falls at your home, or your child accidentally damages a neighbor’s property — personal liability coverage protects your finances and covers legal costs.
Covers:
Standard limits: $100,000 – $500,000. Higher limits available
Covers minor injuries to guests — regardless of fault
If someone is injured on your property — even if you’re not legally responsible — this coverage pays their medical bills quickly and helps avoid costly lawsuits.
Covers:
Typical limits: $1,000 – $5,000 per person
Customize your policy for complete protection
Standard homeowners policies have exclusions. These optional add-ons fill the gaps and give you total peace of mind.
Popular Add-Ons:
Common Homeowners Insurance Exclusions to Be Aware Of. Standard homeowners policies do not cover everything. Here are the most common exclusions — and how Dora Brokerage can help you fill those gaps with the right add-ons:
We offer insurance solutions across multiple states, with a team dedicated to guiding you through every step of the process. From choosing the right coverage to ensuring compliance with state regulations, our experts provide personalized support for individuals, businesses, and TLC drivers—making insurance simple, fast, and stress-free.
We understand that every client’s insurance needs are unique. That’s why we provide personalized service tailored to your specific situation—whether you're an individual, business owner, or TLC driver. Our team takes the time to understand your goals and recommend the right coverage, ensuring you receive dedicated support and solutions that truly fit.
We partner with top-rated insurance carriers to bring you the best coverage at highly competitive rates. Whether you need personal, commercial, or TLC insurance, we help you find the right policy without breaking your budget. Our strong industry relationships ensure reliable protection and excellent value—so you get peace of mind at the right price.
Fast. Simple. Affordable. Everything you need to stay protected and TLC-compliant — all in one call.
