Homeowners insurance coverages

Homeowners insurance coverage protects your house and your possessions against damage or loss from events like fire, theft, storm damage, frozen pipes, and more. It also provides liability coverage for personal injuries sustained by others on your property.

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Insurance coverage for your belongings


Personal Property

Pays the actual cash value of covered personal property that needs to be replaced due to a covered loss.

Personal Property Replacement Cost

In the event of a covered loss, we'll pay the actual cash value for items at the time of loss, then up to the full amount of the cost in today's market.1

Blanket Jewelry

Replaces your jewelry if it is lost or stolen, with no deductible or up-front appraisal necessary.

Insurance coverages for damages


Personal Liability and Medical Payment to Others

Covers you in the event of injury or property damage to somebody else.


Covers your home and the structures on your property.

Wind and Hail Damage

Covers your property for damage caused by wind and hail.

Other common coverages

Insurance coverages for expenses


Additional Living Expenses/Loss of Rent

Covers any necessary increase in living expenses incurred by you and your house so that you can maintain their normal standard of living.2

Inflation Protection

Automatically adjust your coverage limits at your policy's renewal to keep pace with inflation and you will also receive a discount on your policy premium.

More about home insurance

What kind of home insurance is recommended in my state?

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1Optional coverage. Subject to a deductible. May vary by state.
2Stated policy limits apply; not available in all states.