Your House Holds a Lot. Insure It Like It Does.

From the shingles to the sofa, a home insurance policy carries a limit for every part of your place. Set each limit to match your own house and what you keep in it.

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Two-story family house with a stone entry, garage and landscaped front yard
Home insurance at work

What a Policy Does When Your Home Takes a Hit

Home insurance is a set of separate promises: one for the structure, one for what is inside it and one for injuries on your property. I go through each part with you, so you know where your limits sit.

  • Limits checked against what a rebuild could cost now.
  • Deductibles explained before you settle on one.
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House, things, guests

Three Covers Most Homeowners Begin With

Dwelling Protection

Can help pay to repair or rebuild a roof, walls or floors after a covered fire or storm.

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Small umbrella held over a white model house on a desk

Personal Belongings

May help replace furniture, clothing and electronics that are stolen or damaged at home.

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Bright living room with a pink sofa, coffee table and tall windows

Personal Liability

Can help with medical or legal costs when a guest is injured somewhere on your property.

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Hands forming a roof over a small model house on a wooden table
Two-story house with lit windows and a garage at dusk

Worth checking before you choose a policy

  • Rebuild cost limit
  • Deductible size
  • Water damage terms
  • Roof age rules
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Three steps to cover

From Signup Form to a Home Policy That Fits

Start Signup

  1. Describe your home

    Fill in the signup form with the basics: the year your house was built, the roof type and how it is used.

  2. Set each limit

    I set dwelling, belongings and liability limits by what the house and its contents could cost to replace.

  3. Confirm your cover

    Choose a deductible you could manage after a loss, look over the policy details and confirm your request.

Policyholders speaking

What Changed Once the Policy Was Looked Over

Detached garage

Getting home insurance here was clear to follow. My detached garage has its own limit now, and I know why it is there.

Jeanette Culver

Home with a detached garage

Belongings cover

My last home policy barely covered my furniture. The new one carries a belongings limit that fits what I actually own.

Clifton Meeks

Townhouse owner

After a remodel

Once the kitchen remodel was done I updated my home insurance here. The rebuild amount now matches the finished house.

Elsie Lindley

Older two-story home

Liability cover

I wanted home insurance that covers guests on my front steps. The liability part was explained before I chose a limit.

Wilbur Yost

First-time homeowner

Asked by homeowners

The Less Obvious Corners of a Home Policy

Usually not. A dwelling limit is based on what it could cost to rebuild the structure, and land does not need rebuilding. That is why the limit can sit below the price you paid for the property.

Replacement cost can pay for a new item of a similar kind. Actual cash value takes off wear and age first, so the payout on an older roof, sofa or appliance may come out a good deal smaller.

In most cases it is not. Water rising from outside is commonly excluded and handled by a separate flood policy, while a pipe that bursts indoors without warning is often treated differently.

Many policies extend personal property cover to things you take with you, such as a laptop stolen on a trip. The limit away from the house can be lower, so it is worth checking the amount.

Policies often carry a vacancy clause. Once a home is left unoccupied past the period named in the policy, some damage, such as vandalism or frozen pipes, may no longer be covered at all.