Protect the Place You Call Home
Your home is more than just a roof over your head—it’s where life happens. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we help you protect it with coverage that’s built around your needs. Whether you own a house in Kimberly, a condo in Manteca, or a second home in Idaho Falls, we’ll guide you through your options and help you choose the right plan—because your peace of mind starts at home.
Coverage that feels as solid as the foundation it protects.
Is homeowners insurance required?
While it’s not legally required, most mortgage lenders require you to have a policy in place. It’s also one of the smartest ways to protect your investment.
What does a standard policy cover?
Typical coverage includes the structure of your home, your personal belongings, liability protection, and additional living expenses if you need to relocate after a covered event.
Can I bundle my home and auto insurance?
Yes! Bundling policies can save you money and simplify your coverage. We’ll help you explore your options.
Does homeowners insurance cover floods or earthquakes?
Flood and earthquake damage usually require separate policies. We offer both as add-ons or standalone plans.
The Advantage of Personal Guidance
No two homes—or homeowners—are the same. That’s why we take a hands-on approach to coverage. From assessing your property to helping you understand deductibles and exclusions, we’re here to answer questions, simplify the fine print, and make sure your policy actually fits your needs—not just your square footage.
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Coverage That Goes Beyond the Basics
In addition to standard homeowners insurance, we offer endorsements and add-ons for valuables, home offices, rental properties, and more. Whether you're protecting a starter home or your forever home, we’ll help you prepare for the unexpected—and sleep easier at night.