Home Owners Insurance

What is home owners insurance?

Homeowners insurance is designed to protect you from the things that can damage your home, belongings, or hurt you financially. A typical homeowners insurance policy covers wind/hail damage, fires, lightning, theft, and more. Plus, home owner's insurance includes liability coverage to help cover you for any injuries that occur on your property and lawsuits against you, such as someone suing you because they were hurt at your home.

When you get your free homeowners insurance quote, many of your coverages will be automatically included. Plus, you can add even more. We have expert agents standing by to guide you through your choices.

When should you consider home owners insurance?

Homeowners insurance is for anyone who owns a home, vacation home, or is in the process of purchasing a home. If you own a condo, town house, or row home you need condo insurance — or renters insurance if you rent from someone else. Not sure? Get a homeowners insurance quote, and we'll make sure you get the right policy. Remember, about 1 in 15 insured homes has a claim each year.

If you have a mortgage, your lender will likely require you to get insurance for your home. We'll help take care of the details with your lender. Plus, in most situations, you'll be able to combine your insurance payments with your mortgage bill (called escrow).

Types of homes we insure

Just get a homeowners insurance quote online, and we'll ask you about your house and how you use it. That way, we'll help you get the coverages you need.

• New purchases (meaning a home you're closing on or are interested in purchasing)

• Seasonal/vacation homes

• Homes as a business property

• Foreclosures/vacant homes

• Condominiums (see more on condo insurance)

• Homes you rent to others

• Homes you're renting (we'll still insure you, but you'd need renters insurance instead)

• Homes with unique architecture or worth more than $1 million