Home insurance that fits the way you live.
Homeowners, condo, renters or mobile home — talk it through with a licensed agent. Free, quick and no obligation.
Coverage for every kind of home
Homeowners (HO-3)
The most common policy for single-family homes you own.
Condo (HO-6)
Covers your unit's interior and belongings beyond the HOA policy.
Renters (HO-4)
Protects your belongings and liability when you rent.
Mobile & manufactured
Policies built for manufactured and mobile homes.
Landlord / rental
Coverage for homes you rent out to others.
The six parts of a homeowners policy
Dwelling
The structure of your house, including attached garages.
Other structures
Detached garages, sheds and fences.
Personal property
Your belongings — furniture, clothes, electronics.
Loss of use
Extra living costs if a covered loss forces you out.
Personal liability
If someone is hurt on your property or you damage theirs.
Medical payments
Minor medical bills for guests injured at your home.
Extras worth asking about
Standard policies don't cover everything. Ask your agent whether these make sense for your home.
Home insurance FAQs
Is home insurance required?
No state law requires it, but most mortgage lenders do.
Does home insurance cover flooding?
Standard homeowners policies usually do not cover flood. Flood coverage is typically a separate policy.
What is the difference between replacement cost and actual cash value?
Replacement cost pays to repair or replace items at today's prices. Actual cash value subtracts depreciation.
Do renters need insurance?
Your landlord's policy covers the building, not your belongings or your liability. Many landlords require renters insurance.
Does home insurance cover wind and hail?
Many policies do, sometimes with a separate wind or hail deductible. Confirm the details with your agent.
Get your home quote today.
A licensed agent will walk you through auto, home or bundle options — free, with no obligation.