Your home, clearly protected.
Coverage options for your home, personal property, liability, and additional living expenses — explained in plain language.
Homeowners insurance helps protect one of your most important assets. We review available options from multiple insurance markets and explain the differences between policies so you can make an informed decision.
Dwelling Coverage
Coverage for the physical structure of your home — the dwelling itself — in the event of a covered loss.
Extended Replacement Cost
An option that may provide additional coverage beyond the dwelling limit to help rebuild after a total loss, subject to policy terms.
Personal Property
Coverage for your belongings — furniture, clothing, and other personal items — subject to policy limits and deductibles.
Loss of Use / Additional Living Expenses
Helps with additional living costs if you're unable to live in your home due to a covered loss.
Personal Liability
Protection if you're legally responsible for injury to others or damage to their property.
Water Damage
Coverage for certain types of sudden and accidental water damage, subject to policy exclusions and limits.
Water Backup
An optional coverage that may help with damage from water backing up through sewers or drains.
Deductibles
The amount you pay out of pocket before insurance applies. We help you understand how deductible choices affect your premium.
Wildfire Exposure
Homes in wildfire-exposed areas may have limited standard-market options. We can review available standard and specialty market solutions.
Difficult-to-Insure Properties
Some properties face underwriting challenges. We help evaluate the options available for your specific situation.
California homes can be difficult to insure.
If your property faces wildfire exposure or underwriting challenges, we can review standard and specialty market options — including the California FAIR Plan and companion coverage where appropriate.
Request a home insurance quote.
Tell us about your home and we'll help you review your options.