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    Homeowners insurance

    Homeowners insurance coverage

    What does homeowners insurance cover?

    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.

    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

    On Your Side® Review

    Make sure your insurance keeps up with your life and you get all the discounts you deserve.

    More about On Your Side® Reviews »

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    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.