Home Insurance

A home policy has several moving parts. The amount needed to rebuild may differ from a home's market value, and some types of damage require separate coverage or endorsements.

Explore Your Options Request a Proposal

What to review

Dwelling and other structures
belongings and valuation method
personal liability
additional living expenses
deductibles
water backup and other optional protections
exclusions and separate flood or earthquake coverage

Questions to bring

Is the home description current?
Would the dwelling limit reflect a realistic rebuilding discussion?
Which losses are excluded or limited?

Reading the details

Before choosing a policy, review the people and property listed, limits, deductibles, exclusions, optional endorsements, and effective date. Ask what changes when one option costs less than another. A proposal is a starting point for comparison; only the applicable policy and effective date determine coverage.

We can talk through the details and help you compare the terms that apply to your situation. A website page cannot determine whether a specific loss is covered.

Start a Conversation

Website content is provided for general educational purposes and does not amend, extend, or create insurance coverage. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy.