Explore everything BitsHorizons protects, built to cover what matters most, without the complexity.
Your home's structure is its most valuable asset. I cover the walls, roof, floors, and foundation against sudden damage. When disaster strikes, repairs don't come out of your pocket.
Your belongings tell the story of your life. From furniture and electronics to jewelry and clothing, my personal property coverage ensures they're protected whether at home or on the go.
Accidents happen. If someone is injured at your property or if you accidentally damage someone else's property, my liability coverage shields your finances from the legal and medical fallout.
If a covered event makes your home unlivable (fire, severe storm damage, or a major structural issue), I cover the cost of temporary housing while repairs are underway. No disruption to your daily life.
No matter which plan you choose, every BitsHorizons policy comes standard with these protections. No extra cost, no exceptions.
These extras fill gaps that standard policies often leave behind. Add any to your plan at any time. No waiting for renewal.
Standard policies often exclude water backup from drains or sewer lines. This extra covers cleanup and repairs when it happens. It happens more often than you'd expect.
Add to PlanStandard policies cap payouts on jewelry, art, collectibles, and instruments. This rider gives your most valuable possessions their own dedicated coverage limit. No hidden cap surprises.
Add to PlanIf your personal information is stolen, I cover restoration services, legal fees, and lost wages while you reclaim your identity. Your home is protected. So is who you are.
Add to PlanI built my claims process to be as stress free as possible. When something goes wrong, the last thing you need is confusion. Here's exactly what to expect when you file with BitsHorizons.
Most claims are resolved within 5 business days. I work quickly so you can get back to normal as soon as possible.
Call the claims line or submit online any time. Provide the date, a brief description, and any photos available. Every claim is logged immediately.
Your claim comes straight to me within 24 hours. I reach out to confirm details and explain next steps clearly.
I complete an assessment, on site or remotely depending on the damage. Everything needed is gathered without dragging it out.
Once approved, I issue the payout directly or coordinate repairs with vetted contractors. Your choice.
After resolution, I check back to confirm everything was handled to your satisfaction. I remain reachable if anything else comes up.
