Homeowners insurance
Rebuilds your house, replaces what is inside it, and defends you if someone is hurt on your property.
A homeowners policy is built around the cost to rebuild, not the price you paid. It also covers your belongings, the extra cost of living elsewhere after a loss, and your personal liability. The most expensive mistakes are quiet ones: an outdated rebuild estimate, a water backup exclusion, or a roof schedule nobody mentioned.
- The structure, at replacement cost
- Detached structures like garages and sheds
- Personal belongings, on or off premises
- Additional living expenses while you cannot live at home
- Personal liability and medical payments to others
- Flood (a separate policy)
- Sewer and drain backup unless endorsed
- Earth movement
- Normal maintenance, rot, and pests
- Anyone with a mortgage (the lender requires it)
- Owners of paid-off homes who could not afford to rebuild
- Buyers closing on a house in the next 60 days
Questions people ask about home.
Replacement cost vs. market value
Market value is what a buyer would pay for your house and the land under it. Replacement cost is what it would take to rebuild the house alone, today, with today's…
HomeWhat actually happens when your house burns down
You call the carrier the same day, an adjuster is assigned, and the policy starts paying in three streams: money to live somewhere else, money for what was inside, and…
HomeDoes homeowners insurance cover a golf cart?
Usually only while it is on your own property and used to service the property or play golf. The moment it is driven on a road, a trail, or a neighbor's land, most…
UmbrellaWhat does an umbrella policy actually do?
An umbrella adds a layer of liability coverage — usually $1 million or more — above the limits on your auto, home, boat, and other policies. It pays when a serious…
AutoWhy did my insurance premium increase?
Most increases have nothing to do with you. Carriers file rate changes with the state to keep up with repair costs, medical costs, and weather losses across everyone…
AutoShould I file this claim?
File when there is an injury, when someone else is involved, or when the loss is clearly larger than your deductible plus what a claim might add to your premiums over…
Why your renewal went up when nothing changed
Why did my premium go up at renewal?
Where home shows up in real life.
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