Homeowners insurance coverages we offer
We offer coverages for your house, garages, sheds, other structures on your property, lawsuits against you, and more. Get a homeowners insurance quote online to see how affordable insurance for your house and other assets can be. Questions already? See our homeowners insurance FAQs for quick answers, or chat with our expert representatives as you consider your coverage options.
Repair/rebuild your home and other structures
Home insurance covers the cost to repair or completely rebuild your house and other structures as a result of fire, wind, hail, tornados, falling trees/limbs, ice dams, roof damage, and more.
Example: It snows a ton, and your roof caves in. The snow then falls into your house damaging your walls, kitchen cabinets, countertops, and more. Homeowners insurance covers all of these damages.
Temporary living expenses
If you can’t stay at home during repairs, your homeowners insurance covers hotel stays and even meal expenses above what you’d normally pay, up to your policy’s limits
Example: A tree crashes through your roof, and you have to spend $2,500 to stay two weeks at a hotel and pay for your family’s meals. You’re covered for the entire bill.
Injuries and lawsuits against you
This coverage is called personal liability and covers lawsuits for property damage or injuries that you or your family members could be responsible for. You can add coverages for libel, slander, or other lawsuits.
Example: A delivery person falls on your steps, breaks their arm, damages their merchandise, and then their company sues you. Your homeowners insurance can pay for their medical bills, lost wages while they’re injured, and the damaged merchandise.