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Home Insurance
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What does home insurance cover?
A home insurance policy can protect more than just your house itself. Here's a look at what you can get covered.
If your house is damaged by a covered event, like a fire, windstorm or hail, dwelling coverage can help pay to repair or rebuild it.
Furniture, clothes, electronics and other belongings can add up fast. Personal property coverage can help pay to repair or replace them after a covered loss.
Accidents happen. Personal liability coverage can help protect your finances if a person is hurt or their property is damaged in your home.
If a covered loss leaves your home temporarily unlivable, additional living expenses coverage may help with costs like a hotel, rent and meals.
Have a detached garage, shed or fence? Other structures coverage can help protect parts of your property that aren't attached to your house.
What doesn't home insurance typically cover?
Standard home insurance usually doesn't cover damage from floods or earthquakes, and it may not cover wear and tear, maintenance issues or certain water damage. Depending on where you live and your insurer, you may be able to add coverage for risks like water backup or valuable belongings.
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What factors affect home
insurance rates?
Home insurance rates can depend on factors like:
- Your home's location, age, size and construction
- The amount and types of coverage you choose
- Your deductible, claims history and other insurer-specific factors
Every insurer calculates rates differently, which is why comparing quotes is so important to finding the coverage and pricing that fit your needs. View insurance costs by state.
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