Coverage Planning
How Much Home Insurance Coverage Do I Need?
Learn how to calculate the right amount of dwelling coverage and personal property protection for your home.
Read More →Find the best homeowners and renters insurance coverage. Compare quotes from top providers and protect your most valuable asset with comprehensive home insurance.
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Home insurance protects your most valuable asset and provides financial security for your family
Your home is likely your largest investment, and home insurance protects both the structure and your belongings from unexpected disasters. The average cost of home insurance in the US is around $1,200-$1,800 per year, but it varies significantly based on location, home value, and coverage levels.
Covers the physical structure of your home from fire, wind, hail, and other perils
Protects your belongings including furniture, electronics, clothing, and jewelry
Protects against lawsuits if someone is injured on your property
*Based on national averages for $250K dwelling coverage
Home insurance costs and coverage needs vary by state due to different weather risks and regulations.
Choose the right type of home insurance based on your property and living situation
Most common policy covering dwelling, personal property, and liability for single-family homes.
Covers personal property, interior improvements, and liability for condo owners.
Protects personal belongings and provides liability coverage for renters.
Specialized coverage for rental property owners and real estate investors.
Tailored coverage for manufactured and mobile homes with specific risks.
Specialized coverage for unoccupied homes with limited standard coverage.
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Expert advice to help you make informed decisions about protecting your home
Learn how to calculate the right amount of dwelling coverage and personal property protection for your home.
Read More →Discover available discounts for bundling, security systems, claims-free history, and home improvements.
Read More →Understanding exclusions like floods, earthquakes, and maintenance issues to avoid coverage gaps.
Read More →How to file a home insurance claim, what to expect, and tips for a smooth claims experience.
Read More →Get answers to common questions about home insurance
You should have enough coverage to rebuild your home at current construction costs. Most lenders require coverage equal to at least 80% of your home's replacement cost. For personal property, typically 50-70% of dwelling coverage is recommended.
Standard home insurance does not cover flood damage. You need separate flood insurance, which is typically available through the National Flood Insurance Program (NFIP) or private insurers. Even homes not in flood zones can benefit from flood coverage.
You can reduce premiums by increasing your deductible, bundling with auto insurance, installing security systems, maintaining good credit, staying claims-free, and making home improvements that reduce risk (like impact-resistant roofing).
Replacement cost coverage pays to rebuild/replace items at current prices without depreciation. Actual cash value coverage pays replacement cost minus depreciation. Replacement cost coverage is more expensive but provides better protection.
Standard home insurance provides very limited coverage for home-based businesses (usually $2,500 or less for business property). If you run a business from home, you may need a home business endorsement or separate business insurance.
Compare home insurance quotes and find comprehensive coverage that protects your most valuable asset.