Clear, comprehensive protection for your home. Understand exactly what you're covered for before you sign anything.
We offer straightforward coverage for every part of your home. Each option is explained clearly so you always know exactly what you are protected against.
Your home's physical structure is its most valuable asset. Dwelling coverage protects the walls, roof, floors, ceilings, and built-in systems against covered events so you are never left paying for major repairs entirely out of pocket.
This coverage also extends to attached structures like a built-in garage or covered porch. When serious damage occurs, your policy helps cover the cost to repair or fully rebuild your home to its prior condition.
Everything inside your home matters just as much as the home itself. Personal property coverage protects your furniture, electronics, clothing, appliances, and other valuables if they are stolen, damaged, or destroyed in a covered event.
Coverage applies whether the incident happens inside your home or in some cases away from it. You can choose between replacement cost or actual cash value depending on how fully you want your belongings protected.
Accidents happen even in the safest homes. If a guest slips and falls on your property, or if you accidentally cause damage to a neighbor's property, liability protection covers your legal defense costs and any financial settlements that result.
Without this coverage, a single lawsuit could put your savings and assets at serious risk. Liability protection gives you the financial security to handle unexpected situations without devastating consequences.
If a covered event makes your home unsafe or unlivable, you should not have to worry about where you will stay or how you will afford it. Additional living expenses coverage pays for temporary housing and daily costs while your home is being repaired.
This includes hotel stays, short-term rentals, meals, and other reasonable expenses that exceed what you would normally spend at home. Coverage continues until your home is restored to a livable condition.
When a guest or visitor is accidentally injured on your property, medical payments coverage helps take care of their immediate medical costs quickly and without the need to establish who was at fault. It is a straightforward way to show responsibility and goodwill.
This coverage is separate from liability protection and is intended for smaller, immediate medical expenses. It can help prevent a minor injury from turning into a larger legal or financial dispute down the road.
Your property includes more than just the main house. Detached garages, fences, sheds, workshops, and guesthouses are all part of what makes your home complete. Other structures coverage protects these buildings from the same covered events that apply to your main dwelling.
This coverage is typically calculated as a percentage of your dwelling coverage, ensuring that the outbuildings and features on your property receive proportional protection without requiring a separate policy.
From your first question to your first day of coverage, we keep things simple. No expertise needed, just four easy steps.
Browse coverage options built for different home types. Pick the one that fits your needs and budget.
Answer a few quick questions about your property. Size, age, and location help us build the right quote.
Get a clear, honest price with no hidden fees. Adjust your coverage until it feels exactly right.
Sign up in minutes and your home is protected from day one. Simple, fast, and stress-free.
Dwelling coverage protects the structure of your home itself, including the walls, roof, floors, ceilings, built-in appliances, and attached structures like a garage. It applies to damage from covered events such as fire, windstorms, lightning, and vandalism.
Personal property coverage extends to your belongings throughout the home, including electronics and equipment you use daily. However, dedicated business equipment may require an endorsement. We can help you understand exactly what applies to your situation.
Liability protection is designed for exactly this situation. If a guest is injured on your property and holds you responsible, your policy can cover medical costs, legal fees, and financial settlements up to your selected coverage limit.
In most cases, coverage can be activated the same day you complete your application and review your quote. Your policy documents are delivered immediately so there is no gap in protection. Our team is available to walk you through the entire process.
Getting started takes just a few minutes. Choose your coverage, review your options, and protect your home with confidence.
