Trusted Home Coverage

Your Home Deserves Certainty

Home insurance that actually reflects how you live, not how the fine print reads. Coverage that keeps pace with real life.

Instant Claim Filing

Report any incident in under 5 minutes. Our dedicated adjusters take it from there.

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Interactive Explorer

Coverage That Fits Your World

Choose a category below to see exactly what's included and how it protects you.

Structural
Personal Property
Liability
Living Expenses
Core

Foundation & Framing

Full protection for your home's core structure, including foundation cracks, storm damage, and fallen trees impacting the roof.

Extended

Attached Structures

Garages, decks, built-in pools, and permanent fixtures all fall under the same policy. No additional paperwork needed.

Core

Belongings Protection

Your furniture, electronics, clothing, and appliances are protected against theft, fire, water damage, and other covered events.

Premium

High-Value Items

Jewelry, art, collectibles, and instruments receive scheduled item endorsements so you get full replacement value.

Essential

Personal Liability

When a guest is injured on your property, we handle legal fees, medical bills, and settlements up to your policy limit.

Core

Medical Payments

Pays medical expenses for guests hurt on your property, regardless of who's at fault. No lawsuit necessary.

ALE

Temporary Housing

If your home can't be lived in, we'll cover hotel stays, short-term rentals, and relocation costs while repairs are underway.

ALE

Daily Expenses

Meals out, laundry services, transportation. The day-to-day costs that pile up quickly when you're displaced from home.

Protected home
97%Claims Resolved
Why It Matters

Every Home Faces Invisible Threats

Coverage gaps cost homeowners thousands. We close them before they become problems.

Water & Storm Damage

Pipes, floods, and wind events account for nearly half of all home claims.

Fire & Smoke

Average fire claims top $77,000. We cover structure, belongings, and living costs.

Multi-Layer Defense

Three Layers of Protection

Every MLE policy is built with overlapping layers of defense, so gaps simply don't exist.

01

Dwelling Shield

Covers your walls, roof, foundation, and every permanently attached component at full replacement cost. If rebuilding to current codes costs more than the original, we cover the difference.

02

Contents Armor

Protects everything inside your home, from everyday items to your most prized possessions. Detailed inventory tracking and full replacement value come standard for scheduled items.

03

Liability Fortress

If an incident happens on your property, this layer handles medical payments, legal defense, and settlement costs. Higher liability limits are available for homeowners with significant assets.

24/7 Claims Access

File a claim any time, from anywhere. Our adjusters begin review within the hour.

No Hidden Exclusions

Every coverage term is written in plain language and explained upfront. No surprises buried in the fine print.

A+ Financial Rating

We partner with carriers rated for top financial strength, so your claims are always fully funded.

Fast Claim Payouts

Our average claim resolves in just 8 business days, putting us among the fastest in the industry.

Homeowner Knowledge

Understand Your Policy

Straightforward answers to the questions every homeowner should ask before signing a policy.

Dwelling Coverage Explained

Dwelling coverage pays to repair or rebuild your home's structure after a covered event. That includes walls, roof, built-in appliances, plumbing, and electrical systems.

How Deductibles Work

Your deductible is what you pay out of pocket before coverage activates. Choosing a higher deductible lowers your premium, but means a larger upfront cost when you file a claim. Pick a number that fits your savings.

Replacement vs. Actual Value

Replacement cost covers the price of buying new. Actual cash value subtracts depreciation first. For full financial recovery after a loss, we recommend going with replacement cost.

Flood vs. Homeowners Insurance

Standard homeowners policies don't include flood damage. If you live in a flood-prone area, a separate flood policy is essential. We can bundle it with your home coverage to keep things simple.

Client Voices

Trusted by Homeowners

A tree came through our roof during a storm, and MLE had an adjuster at our door within hours. Six days later, the claim was fully resolved. They even coordinated temporary housing for us.

Ethan Parker
Homeowner

Switching to MLE saved us real money without sacrificing coverage. Their agent walked us through every single line of the policy. It was the first time I actually understood what I was paying for.

Isabella Hughes
Homeowner

When our basement flooded, I braced for a nightmare. Instead, MLE handled everything. They brought in the plumber, the restoration crew, all of it. We barely had to lift a finger.

Mason Carter
Homeowner

Seven years with MLE and counting. Every renewal, they reach out to make sure my coverage still matches my home's value. You don't see that kind of attention from most insurers.

Brooke Sullivan
Homeowner
Start Here

Get a Personalized Home Estimate

No obligations and no pressure. Just honest numbers tailored to your property, ready in under two minutes.

No credit check required
Instant preliminary estimate
Your information stays private
Licensed agents review every request

Request Received

A licensed MLE agent will review your details and follow up within 24 hours with a personalized estimate.

Common Questions

Frequently Asked

Still Have Questions?

Our licensed agents are happy to walk you through every detail of your policy. No jargon, no pressure, just clear answers.

Get a personalized estimate
01

What perils does a standard MLE home policy cover?

Our standard policy covers fire, lightning, windstorm, hail, explosions, smoke, vandalism, theft, falling objects, ice and snow loads, plumbing-related water damage, and electrical surges. Extended endorsements are available for homeowners who want broader protection.

02

How quickly can I get coverage after signing up?

Most policies can be bound within 24 hours of completing your application and verification. Same-day coverage is often available, and your agent will confirm the earliest effective date during your consultation.

03

Can I customize my home insurance coverage?

Absolutely. Every MLE policy is fully customizable. You can adjust dwelling limits, add endorsements for high-value items, increase liability thresholds, and tailor personal property coverage to match your household. Most homeowners find the right balance within minutes during their agent consultation.

04

What happens if my home is a total loss?

With replacement cost coverage, we pay to rebuild your home to its original condition at current material and labor prices. If costs exceed your dwelling limit, our extended replacement cost endorsement covers the difference. Temporary living expenses are also included for the duration of the rebuild.

05

Do you cover home-based businesses?

Standard policies include limited coverage for business property stored at home. If you have dedicated office equipment, inventory, or serve clients from your residence, our home business endorsement significantly expands that protection.

06

How do I file a claim?

You can file a claim around the clock through our online portal, by phone, or directly through your assigned agent. We assign an adjuster within one hour and provide a clear timeline within the first 48 hours.

Ready to Protect Your Home

Get a personalized coverage plan in minutes. No obligations, no hidden fees, just honest protection tailored to you.