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Home Insurance

Guards your residential structure and personal assets against fire, windstorm, theft, natural hazards, and guest injuries.

Typical Monthly Cost $100 - $180 / mo
Core Protection Focus Dwelling & Personal Belongings
Recommended Strategy Replacement Cost vs ACV
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Frequently Asked Questions About Home Insurance

Common policy questions, coverage benchmarks, and companion decision tools.

What perils are covered under a standard HO-3 Homeowners policy?
An HO-3 policy provides open perils coverage for the dwelling structure (covering all risks except those specifically excluded) and named perils coverage for personal property contents (fire, lightning, windstorm, hail, theft). Read our full guide on Homeowners Insurance Fundamentals and compare policy forms in Named Perils vs Open Perils.
Does homeowners insurance cover flood and earthquake damage?
No. Standard home policies strictly exclude flood, surface water runoff, storm surge, earthquakes, and sinkholes. Separate policies or specific endorsements are required. Learn how to protect your property in our 8-Point Policy Health Check and read What is an Insurance Exclusion?.
How do I determine the proper dwelling replacement cost for my house?
Multiply your home's finished square footage by local building and labor reconstruction costs per square foot, adding allowances for roof pitch, exterior masonry, and custom cabinetry. Calculate an accurate estimate with our Home Replacement Cost Calculator.
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