A home insurance policy is made up of several coverage categories, and understanding each one makes it easier to know what you're signing up for. We walk through the categories below in plain language, then help you share your details so a member of our team can follow up.
Tell us a bit about your home and household through our short online form — it only takes a few minutes.
A member of our team follows up to walk you through the coverage categories that apply to your situation.
Move forward once you have a clear picture of what's included, what's excluded, and what to expect next.
Information about protecting the physical structure of your home, including the walls, roof, and attached structures.
Guidance on how personal belongings inside your home, such as furniture and electronics, are typically addressed in a policy.
Plain-language explanations of liability coverage and what it may help address if someone is injured on your property.
Information about coverage that may help with temporary living costs if your home becomes uninhabitable due to a covered event.
Help understanding policy documents, terms, and conditions so you know what you're reviewing before you sign up.
A simple, guided process to help you share your information and take the next step toward a home insurance policy.
Home insurance policies can look similar on the surface but differ in the details — what's included, what's excluded, and how coverage limits apply. Rather than leaving you to sort through the fine print alone, we explain the categories that matter and help you move forward with a clearer understanding of the process.
A few things that often vary between policies:
The amount typically paid to keep a home insurance policy in effect, often billed monthly, quarterly, or annually.
The portion of a covered claim you may be responsible for before your policy's coverage applies.
An optional addition to a base policy that adjusts or extends coverage for a specific need.
A specific event, such as fire or windstorm, that a policy may address as a covered cause of loss.