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Get a Free QuoteWhat Your Policy Covers
Standard homeowners policies include these key protections.
Dwelling Coverage
Covers the cost to repair or rebuild your home if damaged by fire, wind, hail, or other covered perils.
Personal Property
Protects your belongings — furniture, electronics, clothing — against theft, fire, and other covered losses.
Liability Protection
Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property.
Additional Living Expenses
Pays for temporary housing and living costs if your home becomes uninhabitable due to a covered loss.
Medical Payments
Covers medical bills for guests injured on your property, regardless of fault.
Other Structures
Protects detached garages, fences, sheds, and other structures on your property.
Policy Types Explained
Choose the policy that fits your living situation and coverage needs.
HO-3 Homeowners
The most popular policy for single-family homes. Covers your dwelling on an open-perils basis and personal property against named perils.
HO-4 Renters
Designed for tenants. Covers personal belongings and liability — your landlord's policy doesn't protect your stuff.
HO-6 Condo
Tailored for condo owners. Covers your unit's interior, personal property, and liability where your HOA master policy leaves off.
HO-5 Comprehensive
Broadest coverage available. Both dwelling and personal property are covered on an open-perils basis with higher limits.
Frequently Asked Questions
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