Homeowners insurance that protects more than your home.
The building blocks of our coverage.
From little accidents to major incidents, our homeowners insurance protects your home, your stuff and your guests.
Your home.
If something happens to your home, we cover the cost of repairing or rebuilding it.
Your stuff.
If you own it, we’ll try to cover it. In your home, on vacation, or if it’s stolen from your car. So relax. The things you love are protected.
Your guests.
If a visitor gets hurt in your home, we can protect you from liability or medical bills that might come your way.
Your landlord’s insurance covers the building you live in, not you or your stuff. That’s where we come in.
Your home.
If you have to move out because of something major, like a fire, we cover things like hotels and living expenses until you move back in.
Your stuff.
If it belongs to you, we'll try to cover it. This includes the cost to repair or replace the stuff you love – like your clothes, furniture and electronics.
Your guests.
If a visitor gets hurt in your home, we can protect you from liability or medical bills that might come your way. We’ll also cover repairs if you accidentally damage someone else’s property.
You’re also covered when ...
You need to replace a damaged item
Your policy calls it Personal Property Replacement Cost. But think of it as replacement cost for your stuff. What it means is that if something you’ve covered with us gets damaged or destroyed, you could get a shiny new one (even if it was old).
You’re battling with water backup
Sewers. Drains. Sumps. There’s no end to the possible reasons for Water Backup* in the home. Or to the misery of sorting it all out. Make sure you get the right level of coverage and you’ll have one less mess to mop up.
You’re facing ordinance or law costs
Local Ordinance or Law* can change. It probably has since your home was built. This can make repairs and rebuilds a lot more expensive. So it’s good to know you’ve got this as part of your policy.
You could use a new home discount
Ahhh, the relief of settling in to a new home. Eases the pain of what it cost to get you there. Know what would ease it even more? A 10% New Home Discount on our homeowners coverage. Call it a moving-in gift.
You’re also covered when ...
Your policy calls it Personal Property Replacement Cost. But think of it as replacement cost for your stuff. What it means is that if something you’ve covered with us gets damaged or destroyed, you could get a shiny new one (even if it was old).
Sewers. Drains. Sumps. There’s no end to the possible reasons for Water Backup* in the home. Or to the misery of sorting it all out. Make sure you get the right level of coverage and you’ll have one less mess to mop up.
Local Ordinance or Law* can change. It probably has since your home was built. This can make repairs and rebuilds a lot more expensive. So it’s good to know you’ve got this as part of your policy.
Ahhh, the relief of settling in to a new home. Eases the pain of what it cost to get you there. Know what would ease it even more? A 10% New Home Discount on our homeowners coverage. Call it a moving-in gift.
Perfect is a tweak away.
Everyone is different. Some want to insure trampolines. Others want to insure their trolls. Who knew? Our job is to help you customize your policy so it’s just right for you.
Dial it up, dial it down.
To help tailor your policy, you can increase coverage amounts for the things you care most about. Or remove stuff if you don’t need it. You can add extra coverage against high risk events. Or just get the basics. You’re in control. But you’re not on your own – we’ll help you understand what you need, and help you protect the things you love most.
What you're covered against
Additional coverage you can add.
Flood.
This is flooding caused by heavy rain or a river bursting its banks.
Earthquake.
Scary and devastating. And important if you live in a high-risk area.
Fungi & Mold.
Neither are pleasant. So you can cover both of them.
Equipment breakdown.
Covers heating systems and major appliances against failure.
Pay it your way.
You can either pay for everything upfront, or in monthly installments. You can also pay through your mortgage escrow offset account.
Still have questions?
Our help system is a real know-it-all. But in a nice way. Ask it anything you like (about insurance).
