RitzHaven provides home insurance written in plain language. We help you understand what a policy can include, so you can choose protection that suits your home and your household.
Dense wording, unclear limits and one-size-fits-all policies are common frustrations. We set out to explain each part of home coverage in a way that actually makes sense.
Your coverage details are laid out openly, so you know what a policy includes before you decide.
We explain how reporting a claim works up front, so you know what to expect if something happens.
Review your coverage when you renovate, add valuables or your household changes.
Begin your sign-up online in a few minutes instead of working through a stack of forms.
Each policy starts from the same place: how you actually live in your home, and what would genuinely help if something went wrong.
A first house, a long-time family home or a place you've just finished renovating — each one is different. We start with your actual situation and build from there, so the options you see are relevant to you.
Selling a policy is the easy part; earning your trust is what counts. That means answering when you reach out, explaining your coverage in everyday words and staying in touch well beyond the day you sign up.
Furniture, electronics, keepsakes and everything in between. Our home options are designed to stay relevant to the things you care about most.
First-time buyer, long-time owner or someone adding a few extras — tell us about your situation and we'll talk through options that suit it, with no pushy pitch.
Every home is different. Here are the common pieces people ask us about — we'll help you think through which ones may be worth considering.
Designed to help with repairs or rebuilding of the structure of your home after a covered event.
Can help with belongings such as furniture, clothing and electronics, depending on your policy terms.
Helps with costs you may be responsible for if someone is injured or their property is damaged.
May extend to a detached garage, fence or shed on your property.
An option that may help with temporary housing costs if a covered loss makes your home unlivable.
An optional add-on to consider for sump pump or drain backups.
Availability, limits and eligibility vary by state and policy. Your policy documents show exactly what is and is not included.
No endless phone tag and no sales pressure — just a clear path from your first question to your next decision.
Tell us a little about you and your home — it only takes a couple of minutes.
A team member talks through the available options so you can weigh what fits your needs and budget.
Move forward only when you're comfortable, with a team you can reach for questions along the way.
You don't need everything at once, but having a few details nearby makes the process easier.
Small routines can help you spot problems early. They don't replace insurance, but they are worth keeping in mind.
Look under sinks and around appliances now and then for signs of moisture.
Clear gutters and trim branches that hang over the roof ahead of stormy seasons.
Check smoke and carbon monoxide detectors on a regular schedule.
Photos and notes about your belongings can make a future conversation easier.
Here's a short preview. Our FAQ page has the complete list.
Policies commonly address the structure of the home, personal belongings, personal liability and extra living costs after a covered loss. The exact terms depend on the policy and your state.
Yes. Renovations, new valuables or a change in your household are good reasons to review your policy, and we're happy to talk through it with you.
No. Every policy has exclusions and limits, and some events may need separate coverage. Read your policy documents and ask us about anything that is unclear.
Share a few details and a team member will walk you through your options whenever you're ready.