Your home, belongings, and personal liability, covered against fire, storm, theft, and more, with a dwelling limit that should actually match what it costs to rebuild today.
Get a quote for HomeownersAny homeowner, and it's typically required by your mortgage lender if you're still paying off the home.
A house fire destroys most of a home, and the payout falls tens of thousands short because the coverage limit never kept pace with years of renovations and rising construction costs.
Read the full story →Based on estimated replacement cost, not market value or what you paid for the home. Review it after any major renovation.
Only up to a small limit for equipment, and liability coverage typically doesn't extend to business activities at all. A separate business policy is usually needed.
Actual cash value factors in depreciation. Replacement cost pays what it actually costs to buy new. Replacement cost coverage is usually worth the modest extra premium.
