Because Trust Is Everything
Security is why you call it “home.” Home should always mean peace of mind. But what about storms, accidents and surprise liabilities? When you need to get things back to normal, count on people who’ve seen the worst of it and know how to get fast action.
Basic Coverage in a Home Insurance Policy
Dwelling Coverage
Protects your home’s structure and other buildings on your property, such as a detached garage, shed, or fence, from covered perils like fire, wind, and hail.
Personal Property Coverage
Covers the contents of your home – furniture, electronics, clothing, appliances, and other belongings – if they’re damaged or stolen.
Additional Living Expenses
If you have to move out during certain repairs to your home, this coverage helps pay for temporary housing, meals, and other additional living costs.
Liability Protection
Protects you and your household if someone is accidentally injured on your property or if you accidentally damage someone else’s property.
State-of-the-Art Valuation Technologies
We provide your agent with the latest tools to better value your property. This helps ensure you select the proper amount of insurance for your home – enough to rebuild it at today’s rates if it were destroyed. Too many consumers tend to underinsure their homes because they don’t have access to the best information. Your agent can help you protect the things you value most.
Optional Protection for Special Concerns
Customize your homeowners policy with additional coverages to meet your specific needs:
Additional Replacement Cost Coverage
Pays up to 125% of your policy limits to help ensure you can fully rebuild your home even if construction costs increase unexpectedly.
Replacement Cost Contents Coverage
Pays for contents of your home regardless of depreciation – get the full replacement value to buy new items, not the depreciated value of old ones.
Identity Theft Protection
Pays for expenses incurred to regain your identity if you become a victim of identity theft. Includes identity restoration services to help you through the process.
Water Backup Coverage
Covers damage from water that backs up through sewers or drains, or overflows from a sump pump – not typically covered by standard policies.
Valuable Items Coverage
Provides extra protection for jewelry, fine art, collectibles, and other high-value items that may exceed standard policy limits.
Trust Us to Find You Savings
You may qualify for special savings like:
Claim Service Trusted for Generations
We’re fast, we’re fair, and we’re ready 24/7. With more than 13,000 claims professionals across the country, we can respond with exceptional speed. Day or night, we’re here when you need us.
Tested and Trusted for Over 150 Years
In a natural disaster or homeowner nightmare, a seasoned catastrophe team – specialists in disaster and recovery – will be on the scene promptly to help you put your life back in order quickly. We’ve been tested, and trusted, for more than 150 years.
Common Covered Perils
Getting Started
To get a homeowners insurance quote, you’ll need:
Let Your Peace of Mind Soar
Independent agents represent many companies to make sure you get quality coverage at an affordable price. Talk to your agent about homeowners insurance today.
Get a Free QuoteOr call 1-800-942-0904
This information is for informational purposes only. All coverages are subject to the provisions, exclusions, and conditions of the applicable policy. Contact your agent for a complete description of coverages, terms, and conditions.