Home insurance: Protecting your property, and your lifestyle

It's more than just a house. It's a home. And just like your home, your insurance should be unique and customized to fit your needs. Get to know what comes standard and — just as important — which extra protection coverage types are right for you.

Home insurance options to help you customize

Certain coverages - including Liability, Physical structures, Personal property coverage, and Additional Living Expenses — come standard. But we know that each homeowner is unique, and offer up a number of add-on home insurance coverages to help customize the right homeowners insurance policy for you.


Water Backup & Sump Pump Overflow Coverage

This covers your home and belongings if they incur water damage from sewer and drain backups, or a mechanical failure of your sump pump.1

Umbrella Coverage

This insurance gives you an extra layer of personal liability protection so you're covered in case of a major, costly claim.

Coverage for Scheduled Items

Add coverage to protect specific "scheduled" items. These are belongings that may require and warrant additional coverage, since the standard home policy limits the amount you can claim per item.

What's not included with Homeowners Insurance

It all depends on your policy and which state you live in. However, some events (detailed below) are generally not covered by the standard home insurance policy.


Flood Insurance

A homeowners policy does not protect against loss or damage from a flood. Learn more about Flood Insurance.


Earthquake damage

Damage from an earthquake is not covered by hour homeowners policy.


Sewer backup

While a sewer backup is not covered by your homeowners policy, we can help prepare you for water.


Home wear and tear

Standard home wear and tear is not covered by home insurance.

1Optional coverage. Not available in all states, and may vary by state.