We offer a range of home insurance policies to cover you in the event of theft, water backup, personal injury and other types of losses. We not only cover your home, but also you, your family and your personal belongings.
Homeowners insurance
Homeowners insurance
Homeowners insurance coverage
What does homeowners insurance cover?
Basic homeowners insurance coverages
Dwelling
Helps protect your home’s structure, built-in appliances and wall-to-wall carpet from damage.
Contents
Helps cover your personal property not attached to or built into your home, such as furniture and clothing.
Personal liability
If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.
Medical payments to others
May help pay for medical or funeral expenses of someone who is injured on your property.
Ordinance or law insurance
May help pay to rebuild your home to current building codes after a covered loss.
Other structures
Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.
Loss of use
Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.
Credit card coverage
Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money.
Better Roof Replacement®
Make sure your home’s first line of defense gets rebuilt with stronger, safer roofing materials if you have a covered loss.
Optional homeowner insurance coverages
Identity theft
Helps keep personal data secure amid a growing number of risks and cybercrimes. Learn more.
Dwelling Replacement Cost
Can pay up to two times your dwelling coverage limit if your home needs to be rebuilt after a loss.
Water backup
Provides coverage if water backs up through your sewer, drains or your sump pump overflows.
Earthquake
Provides coverage for earthquake damage. A separate deductible applies.
Flood insurance
This option protects your house and its contents from flood damages. It is a separate policy with its own deductible.
Valuables Plus®
Provides additional coverage for high-value items such as jewelry, watches, antiques and fine art.
Service line
Protection against damage to exterior, underground service lines that bring water, gas, electric, etc. to your residence.
Equipment breakdown coverage
With the cost of appliances and repairs on the rise, adding equipment breakdown coverage to your homeowners insurance policy can help provide repair or replacement coverage in the event of an electrical, mechanical, or pressure system breakdown.
Umbrella insurance
Stay prepared for a rainy day by adding umbrella insurance to your home insurance, which can help pay for medical expenses and legal fees in the event an accident occurs on your property.
Roof replacement
Even though your roof is a part of your house, your homeowners insurance policy may not completely cover it if you need to replace it. Check your insurance policy to ensure your roof is covered.
Other policies to consider
Auto insurance
Lots of auto insurance companies can give you a quote. But we back it up with our superior claims team.
Personal umbrella insurance
An extra layer of liability protection against lawsuits and under-insured parties.
Pet insurance
Nose to tail coverage is more affordable than you think.
On Your Side® Review
Make sure your insurance keeps up with your life and you get all the discounts you deserve.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.
Brand New Belongings & Better Roof Replacement are optional features. Details vary by state and policy language. Exclusions and limits apply. For Brand New Belongings, damaged items may be repaired in some cases. Please consult your policy for the specifics of your selected coverages. Subject to underwriting guidelines, review, and approval.