For the place you call yours
Home insurance,
a little clearer.
Explore coverage for your home, your belongings, and the life you have built.
Start with the basics.
Home insurance brings together several protections in one policy. Take stock of your property and possessions, then review limits, deductibles, and exclusions with an insurer or licensed agent.
KNOW WHAT YOU’RE LOOKING AT
The pieces of a policy.
Your dwelling
Protection for the structure against covered losses.
Your belongings
Coverage for personal property, with special limits for some valuables.
Personal liability
Protection for certain claims involving injury or property damage.
Additional living expenses
Help with qualifying temporary living costs after a covered loss.
Standard policies often exclude flood and earthquake damage. Coverage may require a separate policy or endorsement.
- 01
Review the estimated cost to rebuild.
- 02
Check replacement cost versus actual cash value.
- 03
Ask about flood, earthquake, and valuables coverage.
A few common questions.
Is market value the same as rebuilding cost?
No. The market price includes factors such as land and location. Ask your insurer to estimate the cost of rebuilding the structure.
Why make a home inventory?
A record of your belongings can help you choose limits and document a loss. Keep a copy somewhere safe.
Further reading: NAIC homeowners insurance guide. Reviewed October 13, 2026.
Your world has more
than one part.
Explore all coverageCar insurance
Understand protection for your vehicle, your passengers, and the unexpected.
Life insurance
Get to know term and permanent coverage before choosing a policy.
Health insurance
Look beyond the monthly premium to understand the full cost of a plan.
Renters insurance
Learn how to protect your belongings even when you do not own the building.
Pet insurance
Understand veterinary coverage, reimbursement, and the details to check first.
Business insurance
Explore coverage around the people, property, and services behind your business.