Protect What Matters Most
Your home holds everything you care about. We help keep it protected with coverage that actually makes sense, so you can relax and live without worry.
Your home is more than walls and a roof. It's where your life happens, and protecting it shouldn't feel like a puzzle.
We built Spinka Insurance because too many homeowners felt overwhelmed by fine print and hidden exclusions. Our goal from day one has been to offer coverage that's clear, fair, and easy to follow.
Whether you're insuring a family home, a rental property, or a new condo, we walk you through every detail so you know exactly what's covered and what isn't. That kind of honesty keeps people with us for the long haul.
Read More
Structure Protection
Interior Belongings
Water Damage
Liability Shield
Additional Living Costs
Detached Structures
Your policy kicks in when fire or smoke causes harm to your home, helping you recover without draining your savings.
If someone breaks into your home or damages your property, we help cover the cost of repairs and lost belongings.
Storm damage from strong winds or hail is one of the most common claims, and your policy handles it right away.
If a visitor gets hurt at your home, your liability coverage helps pay for their medical bills and potential legal costs.
Every part of your home gets the attention it deserves under one clear policy.
Written in plain language so there are no surprises when you need to use them.
Reach a real person whenever you need help, without being pushed toward upsells.
We process claims quickly so you're never left waiting when something goes wrong.
Contact our team by phone or email right after the damage occurs so we can start your claim without delay.
Take photos of affected areas and list any damaged belongings before making temporary fixes.
Once our adjuster verifies everything, we send your settlement so repairs can begin promptly.
You may be able to update your coverage or schedule high-value items separately so they are fully protected, otherwise a general personal property limit might not cover full replacement cost.
Improvements can change your home’s replacement cost. Letting us know ensures your dwelling coverage stays adequate and doesn’t leave gaps if costly damage occurs.
Some policies include additional living expenses that reimburse more than just lodging, like meals and pet care, if your home is uninhabitable after a covered loss.
Yes, liability coverage typically includes legal defense and settlement costs up to your policy limits if a covered claim is filed.
Standard policies often exclude these losses unless you purchase a specific endorsement or separate add-on for water damage beyond burst pipes.
Yes, most policies include coverage for detached structures on your property such as garages, sheds, and fences. The amount of coverage is usually a percentage of your dwelling coverage, and we can adjust it if you need more.