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Home insurance, made clear
Protection for your home and the things inside it. We walk you through what a policy actually covers — and what it doesn't — before you ever need to use it.
Get a QuoteWhat home insurance can cover
Dwelling
Helps cover the physical structure of your home — the walls, roof, and built-in features — if they're damaged by a covered event.
Personal property
Helps cover your belongings — furniture, clothes, electronics — if they're stolen or damaged.
Liability
Helps protect you if someone is injured on your property and you're found legally responsible.
Additional living expenses
Helps pay for things like a hotel or meals if a covered loss makes your home unlivable for a while.
A few things worth knowing
- Some events, like flooding, typically aren't covered by a standard policy. We'll point those out.
- Replacement cost and actual cash value pay out very differently. We'll explain the difference.
- It's worth reviewing your coverage when life changes — a remodel, a new purchase, or a move.