Home insurance

Introduction

What is home or
property insurance?

Your home is your sanctuary, a place to unwind. While you relax, we stand guard, ensuring you’re protected when it matters most. With our reliable home insurance policies, you can safeguard your home, belongings, and peace of mind. Get a homeowners quote online today and enjoy the security you deserve.

Rebuilding a home and replacing everything after a disaster can be financially overwhelming for most people. A reliable home insurance policy helps protect your property, personal belongings, and financial well-being.

The right home insurance coverage gives you peace of mind, knowing your property is protected in case of a disaster.

Regardless of the type of home you own, securing personal property insurance is essential. If you live in a condominium, keep in mind that your condo association or cooperative won’t cover damage inside your unit—even if it’s caused by unforeseen events like a burst pipe or an electrical fire.

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Basic home insurance coverages

  • Dwelling

    Protects your home's structure, built-in appliances, and wall-to-wall carpeting from covered damages.

  • Contents

    Covers personal belongings not built into your home, such as furniture, electronics, and clothing.

  • Personal Liability

    Helps cover legal or medical expenses if someone is injured or their property is damaged in your home.

  • Medical Payments

    May assist with medical or funeral costs for individuals injured on your property.

  • Law Insurance

    Helps cover the cost of rebuilding your home to meet current building codes after a covered loss.

  • Loss of Use

    Helps with temporary living expenses if your home becomes uninhabitable due to a covered event.

Brand New Belongings

When the things inside your home are damaged or stolen,
we’ll help you pay to have them fixed or replaced.

First, you’ll get money for the depreciated value of your covered items.
Then, after you buy replacement items or have them repaired,
send us the receipt and we’ll pay you the difference.

At Your Discretion

Optional homeowner insurance coverages

Identity Protection

Helps safeguard your personal information against cyber threats and fraud.

Valuables Plus®

Offers extra coverage for high-value items like jewelry, watches, antiques, and fine art.

Dwelling Replacement

Can provide up to twice your dwelling coverage limit to rebuild your home after a covered loss.

Water Backup

Protects against damage caused by sewer backups, drain overflows, or sump pump failures.

Earthquake Insurance

Covers damages caused by earthquakes, with a separate deductible.

Flood Insurance

Provides financial protection for your home and belongings against flood damage through a separate policy

Have questions?

Get in touch for the right coverage!

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