PROPERTY INSURANCE
Protect the home
you live in.
Homeowners insurance can help protect your dwelling, belongings, personal liability and living arrangements after a covered loss.
Different properties.
Different protection.
A homeowners policy is designed around an owner-occupied residence and typically combines property and liability protection in one policy.
Dwelling valuation, deductibles, settlement provisions, liability limits and exclusions all deserve attention when comparing options.
Dwelling & Other Structures
The dwelling portion helps protect the home itself, while other-structures coverage may apply to detached structures such as a garage, fence or shed.
✓ Dwelling and attached structures
✓ Other structures such as a detached garage or fence
✓ Personal property / belongings
✓ Personal liability protection
✓ Medical payments to others, where available
✓ Additional living expense after a covered loss
Flood and earthquake are generally not included in standard homeowners policies and may be available separately, subject to eligibility.
Personal Property & Liability
Homeowners coverage can include personal property protection and personal liability for covered claims involving bodily injury or property damage to others.
✓ Dwelling and attached structures
✓ Landlord-owned personal property such as appliances
✓ Premises liability protection
✓ Medical payments to others, where available
✓ Loss of rental income / fair rental value after a covered loss
Tenant belongings are not covered under a landlord policy. Tenants should consider renters insurance.
Loss of Use & Additional Protection
Additional living expense may help when a covered loss makes the home uninhabitable. Optional endorsements can address water backup, valuable items and other needs.
✓ Buildings and structures
✓ Business personal property, equipment and tools
✓ Inventory, furniture and fixtures
✓ Business income and extra expense, where included
✓ Equipment breakdown and other optional coverages may be available
Coverage, causes of loss, valuation, limits and deductibles vary by policy and carrier.
Core homeowners coverage areas
Dwelling & Structures
✓ Dwelling and attached structures
✓ Detached structures
✓ Rebuilding-cost considerations
Personal Property
✓ Furniture, clothing and belongings
✓ Special limits may apply
✓ Replacement-cost options vary
Liability & Loss of Use
✓ Personal liability
✓ Medical payments to others where available
✓ Additional living expense after a covered loss
Coverage details matter.
Every property and situation is different. Factors like rebuilding cost, property valuation, deductibles, limits, occupancy and how the property is used can all affect your coverage.
We’ll help you understand the important differences between options and find the right protection for your specific needs.
Tell us about renovations, rental use, vacancy, special property features and other changes that could affect underwriting.
Additional coverages to consider.
Flood Insurance
Generally not included in standard policies.
Earthquake Insurance
Generally not included in standard policies.
Valuable Items
Higher-value items may require additional coverage.
Water Backup
May be available as an optional endorsement.
Ordinance or Law
May help with increased rebuilding costs where available.
Equipment Breakdown
May be available for eligible properties.
Umbrella / Excess Liability
Additional liability protection may be available.
Vacancy / Unoccupancy
Special underwriting and coverage considerations may apply.
PROTECT THE PLACE YOU CALL HOME
Get a personalized homeowners quote or speak with our team about dwelling, belongings and liability protection.
☎ 877-291-9519