Protect the home you love

What is homeowners insurance?

Homeowners insurance protects your finances when damage to your home or claims of liability puts them at risk. Policies typically safeguard your home, belongings, personal liability as well as other structures on your property, an injured guest’s medical expenses, and your additional living expenses if covered damage makes your home uninhabitable.

There really is no place like home – and our homeowners' insurance is built with that in mind. It’s designed to protect you from disasters big and small. When something goes astray, you can click your ruby slippers together – or, rather, make a claim on your policy – and get your home back to how it once was.

Start protecting your home today. Enter your address for a quick quote.

What does home insurance cover?

Depending on the policy terms, homeowners insurance policies usually include six coverage parts to protect:

• The actual structure of your home, inside and out (this is Coverage A in your policy).
• Other structures, like your garage, fences, and sheds (Coverage B).
• Your belongings that make your house a home (Coverage C).
• Loss of use expenses when a covered loss forces you to temporarily relocate (Coverage D).
• Your personal liability if you’ve accidentally caused someone bodily injury or property damage (Coverage E).
• Medical expenses when a guest has an injury at your home (Coverage F).

Is homeowners insurance required?

You’re usually required to have home insurance if you have a mortgage. Even if you don't, homeowners insurance is essential protection for perhaps one of your life’s biggest investments.

What other risks does homeowners insurance cover?

Your home insurance quote covers far more than basic property claims for your dwelling. When you get a quote for home insurance, it includes other benefits that provide important protections for your and your family. For example, home insurance can cover:

Identity theft

You can add identity fraud coverage to your policy by opting for an endorsement. It covers expenses involved in repairing the damage as well as notary costs, lost wages, and legal fees.

Please note that this endorsement adds coverage to your policy, and so it may change your original homeowners' insurance quote.

Incidents away from home

Here’s an interesting benefit of homeowners insurance: many policies can cover some incidents even when they occur away from your home. For instance, your insurance policy may kick in if:

• Someone breaks into your car. While your auto insurance policy covers damage to your car, it usually excludes your stolen personal property. Home insurance, however, can cover that.
• You cause an injury to another person while on vacation. Your personal liability goes with you as you move about the world, so many events are covered even if you're far from home.
• Property in an off-site storage suffers water damage. Home insurance typically includes some off-premises coverage, so you may not need storage unit insurance.

When you’re looking for insurance on a home, you want to weigh all the coverages available in the policy. That way, you can tell if you’re getting the right kind of protection and services for your money when you get a home insurance quote.