← All coverages
Built around what your home is actually worth to rebuild — not what you paid.
Home Insurance
Homeowners insurance protects your house, what's inside it, and the people who get hurt on the property. The right policy hinges on details quote engines skip: reconstruction cost versus market value, named perils versus open perils, and whether you live in a region that needs separate flood or earthquake coverage. A licensed agent puts those details on the table before you sign.
Who it’s for
Anyone who owns a primary residence, vacation home, or rental property — and anyone whose lender requires proof of coverage at closing.
What it covers
The protection lines that make up the policy.
Dwelling
The structure itself — walls, roof, built-in systems. Ideally insured at full replacement cost in today’s labor and materials market, not at the price you paid.
Other Structures
Detached garages, fences, sheds, and similar structures on the property. Often capped at 10% of the dwelling limit by default.
Personal Property
Belongings inside the home, and frequently when traveling. High-value items (jewelry, art, firearms) usually need scheduled coverage to be fully protected.
Loss of Use
Living expenses if a covered loss displaces you — temporary rentals, restaurant meals, and storage.
Personal Liability
Lawsuits arising from injuries or property damage you’re responsible for, on or off the property.
Medical Payments to Others
Minor guest injuries on your property, paid no-fault.
Common questions
The conversations our agents have every day.
- What's not covered?
- Standard policies exclude flood, earthquake, normal wear and tear, and pest damage. Flood and earthquake are separate policies — often essential depending on geography, and worth pricing before you close.
- HO-3 vs HO-5 — which form do I want?
- HO-3 is the most common form. HO-5 broadens personal-property coverage from named perils to open perils, which can matter on a claim. The premium difference is usually small.
- How do I know my dwelling limit is right?
- It should reflect what it would cost to rebuild today, not the home’s purchase price or current market value. A licensed agent can run a reconstruction estimate using your home’s size, materials, and local labor rates.
Nationwide coverage
Available in all 50 states.
Insurance rules — required minimums, no-fault status, workers' comp thresholds — vary state-by-state. The licensed agents in our network are matched to your state so the quote and the advice both follow the rules where you actually live.
Whether you're insuring a starter home, a remodel, or a forever home, we'll match you with an agent who quotes the policy that fits the property and the market — not a template.
Often paired with
