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:
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The actual structure of your home, inside and out (this is Coverage A in your policy).
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Other structures, like your garage, fences, and sheds (Coverage B).
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Your belongings that make your house a home (Coverage C).
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Loss of use expenses when a covered loss forces you to temporarily relocate (Coverage D).
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Your personal liability if you’ve accidentally caused someone bodily injury or property damage (Coverage E).
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Medical expenses when a guest has an injury at your home (Coverage F).
Scroll down for more information on each coverage part.
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.
Let’s learn more about how home insurance works. If you have a condo or mobile home, skip over here to learn about our condo insurance and mobile home insurance.