Protect your most valuable investment with comprehensive homeowners insurance. Coverage for your home, belongings, and liability protection for your family.
Comprehensive protection for your home, possessions, and financial security
Protection for the physical structure of your home against covered perils like fire, wind, hail, and more.
Coverage for your belongings including furniture, electronics, clothing, and other personal items.
Financial protection if someone is injured on your property or you damage someone else's property.
Coverage for temporary housing and living costs if your home becomes uninhabitable due to a covered loss.
Protection for detached structures on your property that aren't part of your main dwelling.
Coverage for medical expenses if a guest is injured on your property, regardless of fault.
Choose the right policy type for your home and situation
The most comprehensive homeowners policy. Covers your home against all perils except those specifically excluded, and personal property on a named-peril basis.
The most extensive coverage available. Covers both your home and personal property against all perils except those specifically excluded.
Designed specifically for condominium owners. Covers your unit's interior, personal property, and liability while the HOA covers the building exterior.
For tenants renting a house or apartment. Covers your personal property and liability, while the landlord's policy covers the building.
Take advantage of these strategies to reduce your homeowners insurance premiums
Save up to 25% by combining home and auto insurance
Install burglar and fire alarms for premium discounts
Upgrade roof, plumbing, and electrical systems
Higher deductibles mean lower premium costs
Maintain a claims-free record for rewards
Long-term policyholders often receive discounts
Newer homes often qualify for reduced rates
Save by paying annual premium upfront
Get answers to frequently asked questions about homeowners insurance
Standard homeowners insurance typically covers your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable. Coverage applies to most perils like fire, wind, hail, theft, and vandalism.
Standard policies typically exclude flood damage, earthquakes, maintenance issues, wear and tear, mold (in some cases), and intentional damage. Separate policies or endorsements are available for flood and earthquake coverage.
Your dwelling coverage should equal the cost to rebuild your home (not market value). Personal property is typically 50-70% of dwelling coverage. Liability coverage of at least $300,000-$500,000 is recommended, with higher limits for greater assets.
Replacement cost coverage pays to replace damaged property with new items of similar quality. Actual cash value pays replacement cost minus depreciation. Replacement cost coverage is recommended for better protection but costs slightly more.
Get a personalized homeowners insurance quote today and discover how affordable comprehensive protection can be.