Protect the place you call home
Your home is likely your biggest investment. Our homeowners policies combine replacement-cost coverage with no surprise caps — protecting your dwelling, belongings, and liability so you're covered against fire, theft, water damage, and more.
Comprehensive protection, built in
-
Dwelling & Fire
Replacement cost coverage with no cap to rebuild your home after a covered loss.
-
Personal Property
Full replacement cost for your contents so you receive the real cost to replace items.
-
Loss of Use
Additional living expense coverage for hotel and costs while your home is repaired.
-
Personal Liability
Responds when injuries or property damage happen to a third party on your property.
-
Medical Payments
Covers injuries and treatment for guests injured on your property, regardless of fault.
-
Valuable Possessions
Schedule jewelry, art, and heirlooms with a floater for full replacement value.
-
Water Damage
Careful review protects your home and belongings from many sources of water damage.
-
Off-Premises Theft
Optional endorsement covering your belongings even when away from home.
-
Umbrella / Excess
Add protection above your home policy limits for extra liability peace of mind.
Tailor your policy
- Flood insurance endorsement for covered flood losses
- Trampoline & pool liability coverage
- Secondary / vacation home extension
- Scheduled wine & collectibles coverage
- Personal injury & defamation liability
- Service line & equipment breakdown
- Bundle Home + Auto
- Claims-Free
- New Roof
- Security System
- Non-Smoker
Home rates by value
| Home Value | Coverage | Est. Monthly |
|---|---|---|
| Up to $250,000 | Standard HO-3 | $79 |
| $250k – $400,000 | Standard HO-3 | $118 |
| $400k – $600,000 | Enhanced HO-5 | $175 |
| $600,000+ | High-Value | Custom |
*Sample rates for illustration only. Your actual premium depends on location, construction, coverage limits, and deductible.
Questions, answered
-
Q.What is replacement cost coverage?
It pays to repair or rebuild your home and replace belongings at today's prices — with no deduction for depreciation.
-
Q.Does home insurance cover floods?
Standard policies exclude flood. We add a separate flood endorsement to protect your home and covered contents.
-
Q.How can I lower my premium?
Bundle home and auto, raise your deductible, add a security system, or stay claims-free to unlock discounts.
-
Q.Should I schedule valuables?
Yes — items like jewelry, art, and collections often exceed standard limits. A floater ensures full coverage.
