A Homeowners Insurance Policy can Cover:

Damages to your home's physical structure
Damages to other structures like garages or sheds
Your personal belongings, whether they're in your home or elsewhere
Temporary living expenses in the case your house becomes uninhabitable due to a covered loss
Your personal liability in the event someone is injured or their property is damaged

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You can also select policy enhancements and add-ons such as valuable items coverage, replacement cost coverage for your belongings, extra coverage for your belongings for full replacement costs regardless of depreciation, and additional home replacement building costs.

Savings for home security and more

Along with our competitive, customized rates, you can get an array of money-saving discounts based on factors like your claim history and your home's safety features such as smoke detectors, dead bolts, fire extinguishers and alarm systems.

You could also save up to 15% on your homeowners insurance when you buy other insurance policies, like auto insurance, umbrella insurance and boat & yacht insurance.

What's Covered?

A homeowners insurance policy provides coverage for damage caused by most disasters. There are exceptions. The most significant exceptions are:

Flood or water that backs up through sewers or drains
Earthquake and earthquake aftershocks
Landslides and mud slides

Flood insurance can be purchased as a separate policy, water back-up coverage which is available as an endorsement, and earthquake insurance. Earthquake insurance is only available in some states. Speak with one of our representatives to find out if these coverages are needed in your area.

Limits of liability

It is important to choose the right coverage for your home. If you choose lower coverage because it lowers your monthly premium, you might end up paying more out of pocket if a covered accident occurs. You should work closely with your agent to determine the right coverage for you.

For basic homeowners policies, a specific minimum amount of coverage is required for each of the major property coverages, based on the primary amount of insurance selected.

Coverage A (Dwelling) = Replacement Cost for the House - usually determined by you working with your agent
Coverage B (Other Structures) = 10% of your Coverage A limit
Coverage C (Personal Property) = 50% of your Coverage A limit
Coverage D (Loss of Use) = 20% of your Coverage A limit.

For example, if your home is insured for $100,000 under Coverage A:

Other Structures (Coverage B) is $10,000
Contents (Coverage C) is $50,000
Loss of Use (Coverage D) is $20,000.

Deductibles:

The deductible on your homeowners policy applies to the property portion of the policy. A deductible is the amount you would have to pay out of your own pocket before the insurance coverage takes over. Typically, increasing your deductible reduces the cost of your homeowners policy.

The amount you choose for your insurance deductible depends on how much you are prepared to pay if a covered accident occurs to your home. When choosing a deductible, keep your budget in mind to minimize any impact to your current lifestyle.

Personal liability (Coverage E)

Provides coverage for bodily injury or property damage to others caused by you , your family members or pets. For example, let's say your dog bites a guest, someone falls down your stairs, or your child throws a ball through a neighbor's window -- you may be found legally responsible for these actions. Personal Liability coverage helps pay for the costs of these damages. It does not cover damage to your property.

Most homeowner policies provide a minimum of $100,000 of liability coverage. However, you can increase this amount up to $500,000. If your homeowners liability limits are lower than the cost of your assets and your assets are valued more than $500,000 dollars, consider an Umbrella policy.

Liability coverage exclusions

There are some things a homeowners policy does not cover. Some examples include:

bodily injury or property damage which is expected or intended by the insured
bodily injury or property damage arising out of business pursuits
bodily injury or property damage arising out of rental of any part of the premises
liability arising out of ownership, maintenance, use, loading or unloading of aircraft, motor vehicles or water craft
liability arising out of war or insurrection
liability assumed under contract or agreement
property damage to property owned by, used by or in the care of the insured
bodily injury which is covered under a Workers Compensation policy

Loss of Use coverage

Essentially, Loss of Use coverage pays for the additional costs you incur for housing and other living expenses which are over and above your normal costs, if a major loss makes your house uninhabitable and you have to move out temporarily while it's being repaired. This is shown as Coverage D.

Additional coverages available to you

Home insurance coverage is designed to provide financial protection in the event of covered damage to your home, such as fire or water damage.

There are a number of optional coverages (also called endorsements) which enhance your basic homeowners policy either by adding or removing certain coverages. Some of the more common add-on coverages include:

Special Coverage for Contents: Provides broader protection for your possessions. This means that your personal property is covered in more situations than the base policy.
Contents Replacement Cost Coverage - Pays replacement value on property damaged by a covered loss...with no deduction for depreciation...subject to your policy limits and deductibles. Special limits apply to certain items such as jewelry, watches and furs.
Valuable Items Plus: provides higher limits and worldwide protection for special property such as jewelry, silverware, fine art, furs, cameras, firearms, musical instruments, and home computers for an extended variety of losses. Should you need even higher amounts of coverage than that offered by the Valuable Items Plus endorsement, a separate Valuable Items policy is also available.
Water Back-up of Sewers or Drains - provides coverage up to a specific dollar amount if water backs up through your sewer or drain, or overflows from your sump pump.

Personal property (Coverage C)

Your personal property such as furniture, clothing and appliances are covered. Certain types of possessions have limited coverage while some are specifically excluded from property coverage because of their nature or because they are generally covered by other types of policies. Examples of excluded items are:

Animals, birds or fish
Motorized vehicles or aircraft, including equipment and accessories
Aircraft or aircraft parts

Some examples of classes of property that have specialized limits of coverage for some or all loss types:

money or related property, coins and precious metals other than tableware
water craft, including trailers and equipment
jewelry, watches, furs and semi-precious stones
firearms
silverware, goldware or pewterware
business property

For more detailed information, check out our Home Owners Policy Definitions page as well.

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