Home Insurance

Home insurance protects against events such as fire, lightning or windstorms that can cause loss or damage to your home or the personal property of your home. Home insurance plans typically also include protection for your personal items, liability, and more. Be sure to check the details of your policy to learn what is covered and if any limits apply.

A deductible is the amount of money you have to pay out-of-pocket for expenses before your insurance company will pay the remaining costs of an eligible claim.

A deductible is the amount of money you have to pay out-of-pocket for expenses before your insurance company will pay the remaining costs of an eligible claim.

Insurance rates, or premiums, are based on risk, or the potential that someone will make a claim. The greater the risk, the higher the premium; the lower the risk, the lower the premium. To set rates, we look at a variety of factors, one of which being the claims history of groups of people with similar characteristics. We then add information about your particular history to determine the exact premium.

Our base home policy package includes basic water damage protection, for damage from, for example, a leaking pipe. We offer additional comprehensive water damage protection to cover damage from things like sewer back-up, flooding, and more. Learn more about our comprehensive water protection.

We conduct on-site reviews to make sure your home is safe, you have the right coverage, and you’re getting the right discounts. We also assess your home's replacement value in case you need to repair or replace your home in the event of a loss.

Your home policy will need to include coverage for short-term rentals, which is up to a maximum of 180 days per year. Talk to a financial representative if you’re looking to add short-term rental coverage to your insurance.

Your belongings are covered during a move. Items in storage are covered for up to 60 days.

Yes — as long as the items you are looking to cover are within your policy’s limits, and your child is intending to come home once the school term is over.

Yes — our policies provide up to $10,000 for the personal property of the named insured’s parent who ordinarily resides in a nursing home, seniors’ home or other health care facility.

Coverage for boats can be added to your home policy, making it convenient to protect what you love. Coverage limits and covered risks vary by policy type. Learn more about our coverage details for watercraft.