Homeowners insurance
Homeowners, condo and renters coverage for where you live: the structure, your belongings, and liability if someone is hurt on your property.
What it generally covers
- The structure of your home and other structures on the property
- Personal belongings
- Additional living expenses if you can't live at home after a covered loss
- Personal liability and medical payments to others
- Options for jewelry, valuables and water backup
Who usually asks about it
- Homeowners and condo owners
- Renters protecting their belongings and liability
- Buyers who need coverage before closing
- Owners of higher-value homes
Common questions
Is flood included?
No. Flood is typically a separate policy. Many homeowners outside high-risk zones still consider it.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to replace items new. Actual cash value subtracts depreciation. The difference can be large after a loss.
Do I need coverage before closing?
Lenders usually require proof of homeowners coverage before closing, so it's best to start a few weeks ahead.
Personal coverage is available in Georgia, Florida, Louisiana, Texas, Mississippi, Maryland and New Jersey.
General information only. Coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits your situation.