Protect where you live.
Standard and optional coverage for owner-occupied, seasonal, or secondary homes, as well as surrounding structures like sheds and garages. Compare quotes side by side.
What does homeowners insurance cover?
Coverage for most types of damage, organized across six protection categories.
Dwelling
Covers the structure of your home itself, from the roof to the foundation.
Other Structure
Covers detached structures like garages, sheds, and fences.
Personal Property
Covers your belongings inside the home, from furniture to electronics.
Loss-of-Use
Covers temporary living expenses if your home becomes unlivable.
Personal Liability
Protects you if someone is injured on your property and sues.
Medical Payments
Covers minor medical costs for guests injured on your property.
Is homeowners insurance required?
You’re not legally required to carry homeowners insurance once your house is paid off. But without it, there’s no way to guarantee the safety of your family, home, and belongings if something goes wrong.
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