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.
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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.
A standard policy typically covers your home's structure, personal belongings, liability if someone is injured on your property, and temporary living expenses if your home becomes unlivable after a covered event. Every policy is a little different, so it's worth reading through yours carefully.
Most standard policies do not cover flood damage. If you live in an area prone to flooding, you'll likely need a separate flood insurance policy. We can help you figure out whether that applies to your situation.
Several factors go into it, including the age and condition of your home, its location, the materials it's built with, and the level of coverage you choose. A higher deductible usually brings down your premium, but it means more out-of-pocket cost if you file a claim.
Stay safe first. Once you're out of danger, document the damage with photos and contact us as soon as possible. Avoid making permanent repairs until we've had a chance to assess the situation, but do take steps to prevent further damage.
Absolutely. Life changes, and your coverage should keep up. If you renovate, buy new valuables, or want to adjust your deductible, just get in touch and we'll update your policy to fit your current needs.
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.