Home insurance coverage calculator

Unsure where to start with home insurance? Answer a few simple questions with our home insurance calculator and we'll suggest customized homeowners insurance coverage options that might be a good fit for you.

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Where you live can impact recommended coverages and cost of your homeowners insurance policy.

Where you live can impact recommended coverages and cost of your homeowners insurance policy.

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Your home insurance coverage suggestions

Based on your choices, these home coverages can help provide the additional protection you're looking for. Start your official home insurance quote below to tell us the details about your home, so we can customize your policy even more.

These are your standard coverages

This is a baseline home insurance policy that covers things like your home's structure, your belongings, and where to stay during a claim. Looking to learn more about what's in a home policy? We've got that covered too.

Home Replacement Cost

Covers your home and the structures on your property, including any labor and materials needed to rebuild your home. Also includes protection from fire, water, weather, theft, and vandalism.

Personal Property

Coverage for the stuff you own in your house like your furniture, clothes, and TVs.

Other Structures

Coverage for other structures on your property but not attached to your house, like stand-alone garages, sheds, or tree houses.

Temporary Living

If you can't stay in your house during a covered claim, we'll pay for temporary housing and basic expenses, like food and hotel costs.

Medical and Liability

These cover you in the event of injury or property damage to someone else. Specifically helps with medical bills of someone injured on your property and legal costs if you are sued in certain situations.

Now for the additional coverages we recommend

Based on what you told us, you'll want to consider adding these to your policy.

Blanket Jewelry Coverage

Since you have more than $1,000 worth of jewelry, watches, or furs on your property it's a good idea to add this optional coverage. It'll replace your jewelry if it's lost or stolen with no deductible or up-front appraisal necessary.

Home Computer and Smartphone Coverage

Since you don't have insurance on your technology devices from another carrier, then we recommend this coverage. It'll increase limits dedicated to replacing technology during a claim, and also gives a specific $50 deductible just for technology-based claims.

The suggestions provided are for informational purposes only and do not represent an insurance quote or any commitment of coverage. The suggestions are based on the information you provided and may vary based on your selections. All statements made are subject to the provisions, exclusions, conditions, and limitations of the applicable insurance policy. Coverages, discounts, and features may not be available in all states. Your eligibility for coverage is subject to meeting applicable underwriting criteria.