Home insurance is not a single product. Different properties carry different risks depending on location, construction, and occupancy. The options below address the most common areas of exposure for residential properties across a range of conditions.
Protects the physical structure of the home, including walls, roof, floors, built-in appliances, and permanently attached systems, against covered perils including fire, storm, and water damage.
Covers belongings inside the home such as furniture, clothing, electronics, and appliances when damaged or stolen under covered circumstances, including select off-premises situations.
Handles legal expenses and settlement costs when someone is injured on the property or when property belonging to others is accidentally damaged, including off-premises incidents.
Covers additional living expenses when a covered event makes the home temporarily uninhabitable, including lodging, meals, laundry, storage, and other essential services during displacement.
Covers medical costs for guests injured on the property regardless of fault, helping address minor claims quickly without formal legal proceedings or extended disputes.
Extends coverage to detached buildings and structures on the property such as fences, sheds, detached garages, and gazebos when damaged by covered perils.
Identify the home type, age, location, and any features that may affect coverage needs.
Review available plans side by side, looking at deductibles, limits, and what each one includes.
Once a plan is selected, coverage activates quickly and policy documents are ready to access.
When wind, hail, or heavy rain damages the roof or exterior walls, dwelling coverage handles repair and restoration costs tied directly to the covered event, without delays or unnecessary back-and-forth.
If a visitor is injured on the property, liability coverage addresses medical costs and potential legal expenses before the situation escalates into a drawn-out dispute or out-of-pocket loss.
A fire or severe water event that forces temporary relocation triggers loss of use coverage, which handles lodging, meals, and daily essentials while the property is being restored to a livable state.
Create an account to explore specific plan details, compare options, and activate coverage for the property.
