Homeowners coverage, made clear.
Compare policies that protect your home and everything in it.
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Your home is likely your biggest investment, and homeowners insurance protects both the structure and everything inside it — plus your liability if someone is hurt on your property. But rates and coverage vary a lot between carriers, and many homeowners are either overpaying or underinsured without realizing it.
Tell us a few details about your property and a licensed agent will compare homeowners policies from multiple carriers, so you get the right protection at a competitive price. Bundling with auto can save even more.
What home insurance covers
Dwelling
Rebuilds or repairs your home's structure after a covered loss.
Personal property
Covers your belongings — furniture, electronics and more.
Liability
Protects you if someone is injured on your property or you cause damage.
Loss of use
Helps with living costs if a covered loss makes your home uninhabitable.
Home insurance — frequently asked questions
Enough to fully rebuild your home (dwelling coverage), replace your belongings, and protect your assets with adequate liability limits. An agent helps you set dwelling coverage to your home's rebuild cost — not its market value.
Bundling with auto, a newer roof, security and water-leak devices, a higher deductible, and shopping multiple carriers. Roof age in particular is a major rating factor.
Standard homeowners policies generally exclude flooding — that requires separate flood insurance. Ask your agent about flood coverage if you're in or near a flood-prone area.
Usually yes. You can typically switch carriers at any time and receive a refund for the unused portion of your premium. An agent can time it to avoid any coverage gap.
Home guides
Plain-English explainers written and reviewed by licensed agents.