Home coverage

We have coverage options that can be tailored to your lifestyle and choice of home. With different levels of homeowners coverage, you can be sure we have a policy package that's right for you.


Equipment breakdown

This type of protection is for an unexpected mechanical or electrical breakdown in your house, not caused by normal wear and tear or corrosion. Equipment breakdown coverage can be used to cover multiple appliances at once. Learn more.

Guaranteed replacement cost

Guaranteed replacement cost coverage insures the full replacement cost to rebuild your home after a total loss with materials and craftsmanship of like kind and quality, regardless of rising material and labor costs.

Water back-up and sump overflow

Water damage incidents are often not covered by a basic home policy. That's why it's important to make sure you are protected with water backup coverage.

Waiver of deductible

With this coverage, you would only pay one deductible in the event that weather or some other natural cause resulted in multiple claims. For instance, if high winds caused a tree to fall on your home and your car, you’d only pay the higher deductible, not both.

Siding and/or roof restoration 

This is coverage for the cost of replacing the entirety of siding or roofing after a claim when similar materials to be used for replacement are no longer available. Rather than having mismatched siding or roofing on your home, this coverage can help you keep a uniform look to your home’s exterior.

Service line 

Service line coverage insures against unexpected expenses related to the damage of service lines on your property, such as power lines, phone and cable lines, water and sewer pipes and more.

Scheduled items

Scheduled personal property is an endorsement that extends coverage beyond the standard protection provided in a homeowners' policy. By purchasing a scheduled personal property policy, you can expect full coverage of expensive items, such as jewelry, in the event of a claim. 


Understanding your home's replacement cost

Home interior rooms depicted with replacement scenarios for home systems and materials

There is a difference between "replacement cost" versus "market value" when it comes to insuring a home. See which one works best for your home.

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