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Our Solutions

From your walls and roof to the belongings inside - discover the home insurance services that give you real, reliable protection.

Everything Your Home Needs, Under One Roof

ShelterJoy offers a range of home insurance services designed to protect the things that matter most. Whether you're a first-time homeowner or updating an existing policy, we'll help you find the right fit.

Dwelling Protection
Dwelling Shield

Dwelling Protection

Your home's structure - walls, roof, floors, and built-in fixtures. Protection against covered damage events including storms, fire, and falling objects.

Structural damage from storms
Fire and smoke damage
Sudden water damage
Get This Coverage
Personal Belongings
Belongings Guard

Personal Belongings

Your furniture, electronics, clothing, and valuables are covered if damaged, destroyed, or stolen, even when you're away from home.

Electronics and appliances
Furniture and clothing
Theft inside and outside home
Get This Coverage
Liability Coverage
Liability Safeguard

Liability Coverage

If a guest is injured on your property or you accidentally damage a neighbor's home, liability coverage helps protect you from legal costs and financial claims. Peace of mind comes standard.

Personal liability protection
Medical expenses for guests
Accidental property damage
Legal defense costs
Get This Coverage
Additional Living Expenses
Living Support

Additional Living Expenses

If your home becomes temporarily uninhabitable due to a covered event, this coverage helps pay for hotel stays, meals, and other extra costs while repairs are underway.

Temporary hotel or rental costs
Increased meal and food costs
Other temporary living needs
Get This Coverage
Scheduled Property
High-Value Items

Scheduled Property

Have jewelry, artwork, or collectibles worth protecting beyond standard limits? Scheduled property coverage ensures your most valuable possessions get the attention they deserve.

Jewelry and fine art
Collectibles and antiques
Customized coverage limits
Get This Coverage

Getting Covered Is Easier Than You Think

01

Provide Your Home Information

Answer a few quick questions about your property and what you want covered.

Share your home details with ShelterJoy
02

Explore Policy Choices

See clear plans with honest prices - no pressure, no hidden terms.

Compare home insurance plans
03

Secure Your Protection

Pick what works best and your protection begins right away.

Activate your home insurance coverage

Find the Right Coverage for Your Home

Tell us what matters most and we'll help you build a plan that gives your home the protection it deserves.

Start Your Free Quote