Protect your home with coverage that truly has your back

A house with a porch and a black door is surrounded by bushes and trees.
A woman is sitting on a couch holding a child.

Reliable home insurance designed for real peace of mind

Your home is more than just four walls—it’s where memories are made. At Thill-Demerly Insurance Agency, we offer personalized home insurance policies that protect what matters most. Whether it’s storm damage, fire, or theft, we ensure your property, belongings, and future stay secure. Let us find the right coverage for you.

Coverage that protects every part of your home

Dwelling Protection

Covers structural damage from fire, storms, or unexpected disasters.

Personal Property

Protects your belongings, from furniture to electronics, against theft or damage.

Liability Coverage

Shields you financially from legal claims due to injuries or property damage.

A house is just a building. Home insurance keeps it a home

Why homeowners trust us for their insurance needs

Comprehensive protection

Covers your home, belongings, and liability risks.

Flexible policy options

Customizable coverage for homes of all sizes and values.

A pair of hands holding a house in their hands.

Independent agency advantage

A black umbrella is floating in the air on a white background.

We compare rates from multiple top insurance carriers.

Quick claims support

Fast, hassle-free claims assistance when you need it most.

Affordable premium options

Find the right coverage that fits your budget.

A black and white umbrella with a dollar sign on it.

Local expertise

A black and white icon of a map with a pin on it.

Trusted in New York, North Carolina, and Florida since 1932.

Common questions about home insurance

  • What does a standard home insurance policy cover?

    A typical policy covers your home’s structure, personal belongings, liability, and additional living expenses if your home becomes uninhabitable due to a covered event. However, coverage varies by policy, so it’s important to discuss your specific needs with our experts.

  • Does home insurance cover natural disasters?

    Standard policies cover many natural disasters, such as fire, hail, and windstorms. However, flood and earthquake damage usually require separate policies. If you're in a high-risk area, we can help you secure the additional coverage you need.

  • How much home insurance coverage do I need?

    Your coverage should be enough to rebuild your home in case of total loss. Additionally, it should cover your belongings and provide liability protection. We assess your home’s value and your specific needs to recommend the best policy.

  • Can I lower my home insurance premiums?

    Yes! Bundling with auto insurance, installing security systems, and maintaining a good claims history can help lower premiums. We’ll review available discounts and help you find the most cost-effective plan.

  • Why should I choose an independent agency like Thill-Demerly?

    Unlike big-name insurers, we work with multiple carriers to find the best policy at the best price. Our personalized service means you get coverage tailored to your needs—not a one-size-fits-all plan.