Homeowners insurance that’s just right for you

Home insurance protects you in more ways than you’d think. We’ll include many coverages that do more than protect your physical structure. Get a homeowners insurance quote, add the coverages you need and stay protected. See all our homeowners insurance coverages.

shutterstock_195491885

Prepare now with home insurance

Plan for the unexpected. Get homeowners insurance to help pay for repairs, replacement costs and extra living expenses if something happens to your home. Fire, wind, hail, lightning, theft—you’re covered. You’ll just have to pay your deductible, and your homeowners insurance policy takes care of the rest.

What is covered by home insurance

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.

Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.

Liability — Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.

Medical Payments — Covers medical bills for people hurt on your property. Medical Payments coverage also pays for some injuries that may happen away from your home, such as if your dog bites someone.

Loss of Use — Pays for additional living expenses if your home is too damaged to live in during repairs. Most standard home insurance coverage pays 10 to 20 percent of the amount of your dwelling coverage.

What is not covered by home insurance

A standard homeowners policy may not protect you from:

Flood, Earthquake, Nuclear Accident and War — To protect against unforeseen and uncontrollable events like these, you can purchase hazard insurance through your home insurance policy.

Windstorm Damage — In certain areas (mostly coastal) of some states, standard home insurance coverage does not cover damage caused by windstorms and hail. Check your policy information to see if windstorm damage is covered in your area.

GET INSURANCE FOR ANYTHING YOU NEED

Protection from one of the best insurance companies