What We Offer

Complete Home Insurance Coverage

Four interlocking layers of protection designed to cover your home, your belongings, your liability, and your temporary living needs when it matters most.

Our Coverage

Everything Under One Policy

Four carefully structured coverage areas that work together to protect every dimension of your home.

Structural Dwelling Coverage

Structural & Dwelling Coverage

Your home's physical structure is the foundation of everything you own. Dwelling coverage protects the walls, roof, floors, ceilings, and built-in fixtures against covered perils including fire, wind, hail, and certain water damage. When the structure is compromised, this coverage steps in to restore it so your home remains what it was built to be.

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Personal Property Protection

Personal Property Protection

The belongings inside your home - furniture, electronics, appliances, clothing, and more - can represent years of accumulated value. Personal property coverage protects these items against theft, fire, and other covered losses whether the damage occurs inside your home or away from it. We help ensure the things that make your house feel like home can be replaced.

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Liability Protection

Liability Protection

If a visitor is injured on your property or you accidentally cause damage to someone else's property, liability coverage pays for medical expenses, legal defense costs, and potential settlements. It is a critical layer of financial protection that most homeowners underestimate until they actually need it. We make sure you are covered for life's unexpected moments.

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Additional Living Expenses

Additional Living Expenses

If a covered loss makes your home temporarily uninhabitable, additional living expense coverage pays for reasonable costs associated with living elsewhere - hotel stays, meals, and other necessary expenses above your normal cost of living. You will not be left without options simply because your home needs time to be repaired and restored.

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Simple Process

Get Covered in Three Steps

From your first question to an active policy, the process is designed to be fast and clear.

01

Request Your Estimate

Fill out our quick online form with basic details about your home and coverage needs.

02

Speak with an Agent

A licensed agent reviews your estimate, answers every question, and walks you through each coverage layer.

03

Activate Your Policy

Confirm your coverage, receive your documents digitally, and your home is protected from your chosen effective date.

Included Features

What's Always Included

Core features built into every MLE Insurance home policy - no add-on required.

Replacement Cost Coverage

Damaged items are reimbursed at current replacement cost, not depreciated value, so you can actually restore what was lost rather than receiving a reduced payout.

Fast Claim Processing

Claims are acknowledged promptly and processed without unnecessary delays. Our team works to resolve your claim efficiently so recovery can begin as soon as possible.

24/7 Support Access

Whether you need to file a claim at midnight or ask a coverage question on a Sunday morning, our support channels are available around the clock without exception.

No Hidden Deductions

Every deductible and cost-sharing arrangement is explained clearly before your policy is activated. What you see is exactly what applies - no surprise reductions at claim time.

Licensed Agent Review

Every policy is reviewed by a licensed agent who confirms your coverage is appropriate for your property before it goes into effect. You are not buying blind through an automated system.

Flexible Deductible Options

Choose a deductible amount that aligns with your financial comfort level and risk tolerance. We help you understand the trade-offs so the decision is always yours to make with confidence.

Common Questions

Quick Answers

Straightforward answers to the questions homeowners ask most often about their coverage.

What does dwelling coverage actually protect?
Dwelling coverage protects the physical structure of your home - the walls, roof, flooring, ceilings, built-in appliances, and attached structures like a garage. It applies to covered perils such as fire, wind, hail, lightning, and certain types of water damage. The goal is to restore your home's structure to its prior condition after a covered loss.
Are my belongings covered if stolen outside my home?
Personal property coverage typically extends beyond your home's four walls. If belongings are stolen from your vehicle, a hotel room, or another location, your policy may provide protection subject to applicable deductibles and limits. We review these off-premises provisions with every client so you understand the full scope of your personal property coverage.
How does liability coverage work if someone is injured?
If a guest is injured on your property or you are found legally responsible for damage to another person's property, liability coverage pays for medical expenses, legal defense costs, and court-ordered settlements up to your policy limit. It protects your personal finances from being directly exposed to claims and lawsuits resulting from covered incidents.
When does additional living expense coverage apply?
Additional living expense coverage activates when a covered loss makes your home temporarily uninhabitable - for example, after a fire or major structural damage. It reimburses reasonable costs for temporary housing, meals above your normal spending, and other necessary living expenses while your home is being repaired, up to your policy's defined limit and time period.

Ready to Protect Your Home?

Get a personalized home insurance estimate from MLE Insurance in minutes. No pressure, no obligation - just honest coverage built around your home.

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