Personal Insurance
Homeowner's Insurance
Homeowner's insurance provides financial protection for your home and personal belongings against risks like fire, theft, or natural disasters. It also covers liability if someone is injured on your property.
What's Covered
Coverage Types
Dwelling Coverage
Protects your home structure from covered perils including fire, vandalism, and severe weather.
Personal Property Coverage
Covers your belongings like furniture, electronics, and clothing against theft, damage, or loss.
Liability Coverage
Financial protection if someone is injured on your property or you accidentally damage others' property.
Additional Living Expenses
Covers temporary housing costs if your home becomes uninhabitable due to a covered event.
Medical Payments
Covers guest medical expenses on your property regardless of fault.
Who Benefits
Who Needs Homeowner's Insurance?
Homeowner's Insurance is designed for a variety of individuals and organizations. Find out if this coverage is right for you.
Get a Personalized QuoteResidential Property Owners
Owners of houses, condominiums, and townhouses.
Rental Property Owners
Landlords who want to protect their investment properties.
Vacation Home Owners
Owners of secondary or seasonal residences.
Pricing Factors
What Affects Your Premium
Geographic location and natural disaster susceptibility
Property value and replacement cost
Home age, construction materials, and safety features
Personal claims history
Deductible and coverage limit choices
FAQs
Frequently Asked Questions
What does homeowner's insurance cover?
What types of homes are eligible?
Does it cover natural disasters?
Do I need insurance if my home is paid off?
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Homeowner's Articles
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