What's Covered
Excludes damage from earthquakes, floods, and wear and tear unless added via endorsements.
Dwelling Coverage
If your home or other structures are damaged
Pays to repair or rebuild your home and detached structures when they’re damaged by a covered event.
Personal Property
If your belongings are damaged or stolen
Covers furniture, clothing, electronics, and other belongings if they’re damaged, destroyed, or taken during a break-in or covered loss.
Loss of Use
If you can’t stay in your home after a loss
Helps cover hotel stays, meals, and other living expenses if a covered loss makes your home unlivable.
Personal Liability
If someone is injured or their property is damaged
Covers injuries or property damage that happen to others and includes legal defense if you’re sued.
Equipment Breakdown
If your home's systems or appliances fail
Helps repair or replace major systems and appliances when they break down unexpectedly.
Water Backup Coverage
If water causes sudden damage
Helps pay for damage caused by water backing up through drains, sump pumps, or sewer lines.
Dwelling Coverage
If your home or other structures are damaged
Pays to repair or rebuild your home and detached structures when they’re damaged by a covered event.
Personal Property
If your belongings are damaged or stolen
Covers furniture, clothing, electronics, and other belongings if they’re damaged, destroyed, or taken during a break-in or covered loss.
Loss of Use
If you can’t stay in your home after a loss
Helps cover hotel stays, meals, and other living expenses if a covered loss makes your home unlivable.
Personal Liability
If someone is injured or their property is damaged
Covers injuries or property damage that happen to others and includes legal defense if you’re sued.
Equipment Breakdown
If your home's systems or appliances fail
Helps repair or replace major systems and appliances when they break down unexpectedly.
Water Backup Coverage
If water causes sudden damage
Helps pay for damage caused by water backing up through drains, sump pumps, or sewer lines.
Who's Covered
Excludes damage from earthquakes, floods, and wear and tear unless added via endorsements.
Properties in High-Risk Weather Areas
Severe weather can cause costly damage. This coverage helps pay for repairs so a storm doesn’t set you back.
Landlords and Rental Property Owners
Helps safeguard your property and reduces the financial and legal risks that come with renting to others.
Homeowners and First-Time Buyers
Protects your home and belongings from unexpected damage and helps you recover without major financial stress.
Real-Life Scenarios
A guest slips and gets injured
A friend visiting your home slips on the steps and needs medical care. Liability coverage helps pay for their medical bills and provides legal protection if a claim is filed.
Coverage Applied:
Liability Protection
A storm damages the roof and fence
High winds tear shingles off the roof and knock down a backyard fence. Repairs are costly, but homeowners insurance helps cover the damage to both the home and the detached structures.
Coverage Applied:
Dwelling
Other Structures
A kitchen fire spreads quickly
A small cooking fire turns into smoke and heat damage throughout the kitchen. The policy helps pay for repairs, new appliances, and temporary living costs while the space is restored.
Coverage Applied:
Dwelling
Personal Property
Loss of Use
Homeowners Insurance
Protect your home and belongings from damage or loss due to covered events.
Real-Life Scenarios
See how auto insurance protects you in real-world situations
You rear-end another vehicle during rush hour traffic. Your auto insurance covers the damage to the other vehicle, medical expenses for injured passengers, and repairs to your own car.
Coverage Applied:
A sudden hailstorm damages your car while parked. Comprehensive coverage pays for the repairs to your vehicle's body and windshield.
Coverage Applied:
An uninsured driver runs a red light and hits your car. Your uninsured motorist coverage pays for your medical bills and vehicle repairs.