Protect your home and
what matters most.
Compare homeowners insurance from trusted carriers. Get coverage for your dwelling, personal property, and liability protection.
Why home insurance matters
Your home is your biggest investment. Protect it properly
Dwelling protection
Coverage for your home's structure against fire, storms, vandalism, and other covered perils. Repair or rebuild with confidence.
Personal belongings
Protect your furniture, electronics, clothing, jewelry, and other valuable possessions from theft or damage.
Liability coverage
Protection if someone is injured on your property or you damage someone else's property. Covers legal fees and settlements.
What's covered in your policy
Understanding the four main components of homeowners insurance
Coverage A: Dwelling
The structure of your home including walls, roof, built-in appliances, and attached structures.
Coverage B: Other Structures
Detached structures like garages, sheds, fences, and gazebos on your property.
Coverage C: Personal Property
Your belongings including furniture, electronics, clothing, and other personal items.
Coverage E: Liability
Legal protection if someone is injured on your property or you cause property damage.
Coverage F: Medical Payments
Covers medical expenses for guests injured on your property, regardless of fault.
Coverage D: Loss of Use
Pays for temporary housing and living expenses if your home is uninhabitable after a covered loss.
Choose your coverage level
Different policy types for different needs and budgets
HO-3: Standard Policy
Comprehensive coverage for single-family homes. Covers dwelling and personal property with broad protection.
- Open-peril dwelling coverage
- Named-peril personal property
- Best value for most homeowners
HO-5: Premium Policy
The most comprehensive coverage available. Open-peril protection for both dwelling and personal property.
- Open-peril for everything
- Higher personal property limits
- Maximum protection available
Ready to protect your home?
Compare homeowners insurance rates from top-rated carriers. Get your personalized quote in 5 minutes.