Part of our guide to personal insurance.
Homeowners Insurance
Protect the place your family calls home.
A homeowners policy protects your house, your belongings, and your finances when something goes wrong — from a kitchen fire to a visitor's injury. Most mortgage lenders require it, but even if you own your home outright, it's the safety net that keeps one bad day from becoming a financial disaster.
What it covers
Dwelling
Repairs or rebuilds your house and attached structures after a covered event like fire, wind, or hail.
Other structures
Detached garages, fences, and sheds elsewhere on your property.
Personal property
Your furniture, electronics, clothing, and belongings — even some items stolen while away from home.
Loss of use
Hotel bills and extra living costs if a covered loss makes your home unlivable.
Personal liability
Legal and medical costs if someone is injured on your property, or you accidentally damage someone else's property.
Medical payments
Smaller medical bills for a guest injured at your home, regardless of fault.
Claims we help with
- A grease fire damages your kitchen and smoke spreads through the house.
- A storm sends a tree through your roof.
- A break-in while you're away on vacation.
- A delivery driver slips on your icy steps and is injured.
Good to know
- Flood and earthquake are not covered by a standard policy — they need separate coverage. Ask us if you are in a risk area.
- Replacement cost coverage rebuilds at today’s prices; actual cash value pays the depreciated amount. We will help you choose.
- High-value items like jewelry, firearms, or fine art may need a scheduled endorsement for full protection.
Who it’s for
Anyone who owns a home — required by virtually every mortgage lender, and worth having even without one.
Ready for a home insurance quote?
Tell us a little about your situation and we’ll take it from there.
More personal coverage