01
Dwelling Coverage
May help repair or rebuild the home’s covered structure after an insured loss, up to applicable limits.
Homeowners insurance options
Make Sense of Home Coverage Before You Choose.
Speak with an independent provider about available policy options, limits, deductibles, and questions for your property.
- Discuss available policy options
- Coverage varies by state and carrier
- No guaranteed rates or savings
DwellingThe home’s covered structure
Personal PropertyBelongings subject to policy terms
LiabilityCovered claims against you
Additional Living ExpenseEligible temporary costs
Common policy components
Understand What a Home Policy May Include
Actual protection depends on the policy form, limits, deductibles, endorsements, exclusions, property, location, and insurer.
02
Other Structures
May address covered detached structures such as a garage, shed, fence, or gazebo under policy terms.
03
Personal Property
May cover eligible belongings after covered theft or damage, subject to limits, valuation, and exclusions.
04
Personal Liability
May respond to certain covered claims involving bodily injury or property damage for which you are liable.
05
Loss of Use
May help with eligible additional living expenses if a covered loss makes the home temporarily uninhabitable.
06
Optional Endorsements
Depending on carrier and state, options may address valuables, equipment breakdown, water backup, and more.
Prepare for the conversation
Details That Can Help With a Quote
- Property address, use, age, size, and construction details
- Roof age and updates to plumbing, electrical, or heating
- Safety, security, and mitigation features
- Estimated replacement cost and personal-property needs
- Prior insurance and claims information
Important: Standard homeowners policies commonly exclude or limit certain causes and property. Flood and earthquake protection, among other risks, may require separate coverage. Review the actual policy and ask a licensed professional about your situation.
Compare More Than the Premium
Coverage and limits
Review covered property, named or open perils, limits, sublimits, settlement method, endorsements, and exclusions.
Deductibles
Ask whether different deductibles apply to wind, hail, hurricanes, earthquakes, water, or other losses.
Carrier and service
Consider financial strength, complaint information, claims process, discounts, billing, and available support.
Home Insurance Questions
Is homeowners insurance required by law?
Requirements vary, but mortgage lenders generally require suitable property insurance while a loan is outstanding. Ask your lender and a licensed insurance professional.
Does homeowners insurance cover flooding?
Standard policies generally do not cover flood as defined by the policy. Separate flood coverage may be available. Always review policy terms and local risks.
Will calling guarantee a quote or policy?
No. Products, eligibility, rates, and availability vary by provider and state. Any application is subject to underwriting and carrier approval.
Is this website an insurance company?
No. This website offers a free connection service and does not underwrite, issue, bind, or service insurance policies.
Ready to Discuss Home Insurance?
Call to connect with an independent provider and explore available options.