Home Insurance
Protect your biggest investment. Comprehensive coverage for your home, belongings, and liability at competitive rates.
What's Covered
Covers your home's structure against damage
Protects your belongings inside the home
Covers injuries or damage you cause to others
Pays for temporary housing if displaced
Protected Against
Standard homeowners insurance covers a wide range of perils that could damage your home.
Plus: Lightning, explosions, aircraft damage, vehicle damage, riots, and more. Flood and earthquake coverage available separately.
Homeowners vs. Renters Insurance
- Covers the structure of your home
- Protects personal belongings
- Includes liability coverage
- Required by mortgage lenders
- Protects personal belongings only
- Liability coverage included
- Very affordable (often $15-30/month)
- Often required by landlords
Save with Discounts
There are many ways to lower your home insurance premium. Ask about these discounts when you get your quote.
See Your SavingsAdditional Coverage Options
Standard policies may not cover everything. Consider these add-ons for complete protection.
Flood Insurance
Standard policies don't cover flood damage. Required in flood zones.
Earthquake Coverage
Separate policy needed for earthquake damage, especially in CA.
Umbrella Policy
Extra liability coverage beyond your home and auto limits.
Frequently Asked Questions
How much coverage do I need?
Your dwelling coverage should equal the cost to rebuild your home (not market value). Personal property coverage is typically 50-70% of dwelling coverage.
What's the difference between ACV and replacement cost?
ACV (Actual Cash Value) factors in depreciation. Replacement cost pays to replace items at today's prices. Replacement cost coverage is recommended.
Does home insurance cover my home business?
Standard policies have limited business coverage. If you run a business from home, you may need a separate business or endorsement policy.
How do I lower my premium?
Increase your deductible, bundle policies, improve home security, and ask about all available discounts. Claims-free history also helps.
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