Home Insurance Coverage
Protect your home, belongings, and financial future with comprehensive homeowners insurance. Get quotes from top-rated carriers.
Types of Home Insurance Coverage
Explore comprehensive coverage options to protect your home, belongings, and financial security
Coverage Overview
Complete guide to home insurance coverage types and what they protect
Dwelling Coverage
Protect your home structure from damage and disasters
Personal Property
Coverage for your belongings including furniture, electronics, and clothing
Liability Coverage
Protection from lawsuits and injury claims on your property
High-Value Items
Extra protection for jewelry, art, and valuable collectibles
Flood Insurance
Separate coverage for flood damage not included in standard policies
Earthquake Insurance
Protection from earthquake damage and ground movement
Renters Insurance
Affordable coverage for tenants and apartment dwellers
Condo Insurance
Specialized HO-6 coverage for condo unit owners
Landlord Insurance
Coverage for rental properties and investment real estate
Why Home Insurance Matters
Protect your most valuable investment and financial security
Rebuild After Disaster
If your home is damaged or destroyed by fire, windstorm, or other covered perils, home insurance pays to rebuild or repair it.
Replace Your Belongings
Personal property coverage pays to replace your furniture, electronics, clothing, and other belongings if they're stolen or damaged.
Liability Protection
Protects you financially if someone is injured on your property or you're sued for damaging someone else's property.
Required by Mortgage Lenders
If you have a mortgage, your lender requires home insurance to protect their investment in your property.
Temporary Living Expenses
Loss of use coverage pays for hotel, meals, and living expenses if your home becomes uninhabitable due to a covered loss.
Frequently Asked Questions
Common questions about home insurance coverage
What does home insurance cover?
Standard home insurance (HO-3) covers your dwelling, other structures, personal property, loss of use, liability, and medical payments. It protects against fire, theft, windstorm, vandalism, and other covered perils.
How much home insurance do I need?
Your dwelling coverage should equal the cost to completely rebuild your home (not the market value). Personal property coverage is typically 50-70% of dwelling coverage. Liability coverage of $300,000-$500,000 is recommended.
Does home insurance cover floods and earthquakes?
No. Standard homeowners insurance does NOT cover flood or earthquake damage. You need separate flood insurance (through NFIP or private carriers) and earthquake insurance policies.
What is replacement cost coverage?
Replacement cost coverage pays to replace damaged items with new ones of similar quality, without deducting for depreciation. This is more expensive but provides better protection than actual cash value coverage.
How can I lower my home insurance premium?
Increase your deductible, bundle with auto insurance, install security systems, upgrade your roof, improve your credit score, and ask about available discounts (claims-free, loyalty, etc.).
What is an HO-3 policy?
An HO-3 (special form) policy is the most common homeowners insurance. It provides open-peril coverage for your dwelling (all risks except exclusions) and named-peril coverage for personal property.
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