We help homeowners save money and improve coverage for stronger and more resilient homes.

MyStrongHome Insurance is a service of the National Energy Improvement Fund, a Certified B Corporation™ and FORTIFIED partner.

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We specialize in insurance for strong and resilient homes with the right coverage to protect your home for extreme weather events as well as day to day occurrences.

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How to Get a New Strong Roof, Affordably from MyStrongHome

What Makes MyStrongHome Insurance Special

Here’s what sets us apart when it comes to serving your insurance needs.

A Local, Independent Agency with National Clout

Les Robertson, our Director of Insurance Services, is an expert in Coastal and Southern Properties. He is a true insurance professional with decades of experience providing the highest level of personal service, advice and insurance knowledge.
As a member of the Assure Alliance network, MyStrongHome Insurance can provide you coverage for home, auto and business from some of the nation’s leading carriers.

A Specialist in Coastal and Southern Properties

MyStrongHome was created specifically to address the unique needs of coastal property owners. We partner with the FORTIFIED program from The Insurance Institute for Business & Home Safety (IBHS) and understand the nuances of making your home strong and resilient before extreme weather events occur – and may be able to provide you with significant savings o your premiums because of our relationships with carriers that specialize in coastal properties.

A mission-focused Certified B Corporation®

The National Energy Improvement fund (neifund.org), the parent of MyStrongHome Insurance, is organized as a for-profit benefit LLC with a mission to improve the affordability of energy and resilience improvements in homes and businesses. We are a Certified B Corporation® meeting the highest verified standards of social and environmental performance, transparency, and accountability. We believe in doing business the right way and are ready to help you!

Personal Insurance Specialties

Home Insurance

Get the right policy that will take care of both small and large risks related to owning a home.

Auto Insurance

Get protection against potentially crippling financial losses and the inconvenience of being without transportation.

Condo Insurance

Coverage combining landlord insurance and renters insurance but is specially designed for your particular condo.

Umbrella Insurance

Get extra liability policy for added peace of mind to help prevent financial loss if costs exceed your standard coverage.

Flood Insurance

The specialized coverage you need to help protect your home from rising flood waters, even if you aren’t in a flood zone.

Business Insurance Specialties

Business Owners Insurance

A Business Owners Policy (BOP) combines business property and business liability insurance into one policy.

Contractor Insurance

Coverage that can ensure your business has the right level of coverage, no matter what type of contracting work you do.

Workers’ Compensation Insurance

Covers employees injured on the job or in auto accidents while on business and safeguards your business as well.

Builders Risk Insurance

A type of property insurance that covers the period while the property is still under construction.

Flood Insurance

Get a policy that protects your business and assets from the damage costs that come from flooding.

Business Owners Insurance

A Business Owners Policy (BOP) combines business property and business liability insurance into one policy.

Contractor Insurance

Coverage that can ensure your business has the right level of coverage, no matter what type of contracting work you do.

Workers’ Compensation Insurance

Covers employees injured on the job or in auto accidents while on business and safeguards your business as well.

Builders Risk Insurance

A type of property insurance that covers the period while the property is still under construction.

Flood Insurance

Get a policy that protects your business and assets from the damage costs that come from flooding.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

MyStrongHome Insurance

Learn more about our agency.

As part of the National Energy Improvement Fund, a U.S. DOE Home Improvement Expert, we can offer MyStrongHome financing which couples insurance savings with low cost financing for improvements such as roofing and other upgrades.

We put a special emphasis on managing your unique risks so that you can mitigate and prevent risk factors from impacting your property or business. Our team of experienced insurance professionals can help you every step of the way so that you can get the right coverage for your needs and safeguard against potential risks.

Read more about us

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Home

Fire

Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Be sure to look for coverage that will account for replacement costs above the actual value of the home due to increased costs for building materials and construction. Also, local ordinances and building codes tend to change over time, which may require additional expense. Talk to your agent to find out what’s available for your home.

Personal Property / Contents - Property Damage

Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.

Solution

Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use

Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.

Solution

Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Jewelry, Fine Arts, and Collectables

Risk Factor

If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles, and other valuables have limited or no coverage and need to be insured separately.

Solution

Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.

Medical Expenses

Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.

Solution

Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Personal Liability

Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage

Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.

Solution

You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury

Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.

Solution

Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.

Umbrella / Excess Liability Coverage

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage

Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home

Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars

Risk Factor

Collector vehicles often have significant value and require specialized insurance coverage and claims handling.

Solution

Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.

Wine Collection

Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.

Solution

If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Backup

Risk Factor

Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer, or sump pump.

Solution

Water backup coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks.

Off-Premises Theft

Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.

Solution

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

Home Insurance 101

Make sure you cover the unique risks you face with home insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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Real clients. Real reviews. Real coverage.

“I just want to thank you so much for all you’ve done to help me get the new roof installed and to get my homeowners policy in place. I have always felt welcome to call, and you have always made me feel like my call was important to you.”

Brenda K.
Awendaw, SC

Agency Affiliations

MyStrongHome Insurance is proud to be a part of organizations that truly make a positive impact on people.

NEIF LogoMyStrongHome Insurance is powered by our parent company, NEIF, a Certified B corporation with a mission to improve the affordability of home improvements.

Learn About NEIF

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With FORTIFIED Home by our side, we’re able to help homeowners get more affordable and quality roofing for their homes while saving money on insurance at the same time.

Learn About FORTIFIED Home

MyStrongHome Association LogoMyStrongHome provides home upgrades that are independently certified and may lower homeowners insurance premiums. We are dedicated to developing innovative, proven and fully certified programs that improve community access to critical resources needed to withstand future storms.

Learn About MyStrongHome

Assure Alliance Logo

We are a proud Assure Alliance (AAI) member, which gives us access to exclusive coverage options from multiple carriers, as well as unique industry insight and knowledge to better serve your needs.

Learn About Assure Alliance

  Contact MyStrongHome Insurance

As an independent agency, we are here to help you find the right coverage.

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Headquartered in Allentown, PA, we specialize in serving people and businesses throughout the Southeastern US, including AL, FL, SC, LA, NC, and PA with specialized insurance solutions.

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