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America's Trusted Home Insurer

Home Insurance That
Actually Protects You

Comprehensive coverage for your home, belongings, and peace of mind. Starting at just $39/month with customizable plans that fit your life.

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4.9/5 from 12,400+ happy homeowners

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No obligation. No spam. Just real numbers.

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Fast Claims Quick turnaround
Save Up to 25% Bundle and save
24/7 Support Real humans, always
No Hidden Fees Transparent pricing
Coverage Options

Protection Built Around Your Life

From your roof to your jewelry, we cover what matters most with flexible plans designed for real American families.

Dwelling Coverage

Protects the physical structure of your home -- walls, roof, floors, and built-in appliances from covered perils like fire, wind, and hail.

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Personal Property

Coverage for your furniture, electronics, clothing, and valuables inside your home. Optional riders for high-value items available.

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Liability Protection

Financial protection if someone is injured on your property or if you accidentally damage someone else's property.

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Loss of Use

Pays for temporary housing, meals, and additional living expenses if your home becomes uninhabitable due to a covered loss.

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Other Structures

Coverage for detached garages, sheds, fences, and gazebos on your property. Protects structures not attached to your main dwelling.

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Medical Payments

Covers medical expenses for guests injured on your property, regardless of fault. Typically ranges from $1,000 to $5,000 per person.

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Happy family in their new home
Trusted
Since Day One
Why Homeowners Trust Us

We Do not Just Sell Policies -- We Stand By Them

Apex Home Coverage has helped thousands of American families protect their biggest investment. Here is what sets us apart from the rest.

Lightning-Fast Claims

Our average claim is processed and paid quickly. When disaster strikes, you cannot afford to wait weeks for help.

Dedicated Agents

Every policyholder gets a personal agent who knows your name, your home, and your coverage inside and out.

Fully Customizable Plans

Only pay for what you need. Add riders for jewelry, art, flood, earthquake, or home business coverage.

Manage Everything Online

File claims, update coverage, pay bills, and chat with support -- all from our easy-to-use mobile app.

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Simple Process

Get Covered in 3 Easy Steps

No paperwork mountains. No endless phone calls. Just straightforward coverage in minutes.

1

Tell Us About Your Home

Answer a few quick questions about your property, location, and what you want to protect. Takes about 2 minutes.

2

Get Your Custom Quote

Our system instantly compares rates and coverage options to build a plan that is perfect for your budget and needs.

3

Activate and Relax

Sign digitally, pay your first premium, and you are covered. Your policy documents arrive by email within minutes.

Real Stories

What Our Customers Say

Do not take our word for it. Here is what real homeowners across America have to say about their experience with Apex.

"

When a tree fell on our garage during a storm, I called at 2 AM expecting voicemail. A real person answered, and we had an adjuster out by noon. The check cleared in 3 days. Unbelievable service.

Michael R.
Michael R. Homeowner in Austin, TX
"

I have been with three different insurers over the past decade. Apex is the first one that actually feels like they care. My agent, Sarah, checks in every year to make sure my coverage still fits my life.

Jennifer L.
Jennifer L. Homeowner in Denver, CO
"

We saved $847 a year switching to Apex, and somehow got better coverage. The online quote tool was shockingly easy -- no pushy sales tactics, just honest numbers. Highly recommend.

David and Maria K.
David and Maria K. Homeowners in Tampa, FL

Ready to Protect What Matters Most?

Join thousands of American homeowners who trust Apex Home Coverage. Get your personalized quote in under 60 seconds -- no commitment, no pressure, just real protection at a fair price.

Get My Free Quote Call 605-299-2517

Prefer to talk? Call us toll-free at 605-299-2517. Agents available 24/7.

Common Questions

Everything You Need to Know

Got questions? We have got answers. Here is what most homeowners ask before getting covered with Apex.

Home insurance consultation
What does home insurance actually cover?

Standard home insurance covers your dwelling (the physical structure), personal belongings, liability protection, additional living expenses if you are displaced, other structures on your property, and medical payments for injured guests. We also offer add-ons for floods, earthquakes, and high-value items like jewelry or art.

How much does home insurance cost?

The national average is around $1,500 per year, but your rate depends on factors like your home's location, age, value, construction materials, and your claims history. At Apex, plans start as low as $39/month. The best way to know your exact cost is to get a personalized quote -- it takes 60 seconds and there is zero obligation.

How fast are claims processed?

Our average claim is processed and paid quickly. For emergencies like fire or severe storm damage, we have a 24/7 hotline and can dispatch an adjuster the same day. We know that when disaster strikes, every hour matters -- that is why we built our claims process to be as fast as possible.

Can I bundle home and auto insurance?

Absolutely. Bundling your home and auto insurance with Apex can save you up to 25% on both policies. Plus, you get the convenience of one bill, one agent, and one company to call when you need help. Ask your agent about bundle discounts when you get your quote.

Do you cover older homes?

Yes. We insure homes of all ages, including historic properties and homes built before 1950. Older homes may require an inspection to assess the condition of the roof, electrical, and plumbing systems. In some cases, we may recommend specific coverage upgrades to ensure full protection.

What happens if I need to file a claim at 2 AM?

Our claims hotline is staffed 24/7, 365 days a year with real human agents -- not bots. Call 605-299-2517 anytime, and we will walk you through the process, dispatch emergency services if needed, and get an adjuster assigned right away. Emergencies do not wait for business hours, and neither do we.