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Coverage Solutions

Home insurance plans built around different property types, risk profiles, and ownership situations.

Insurance Plans

Plans shaped for every type of home

Standard Home Coverage Most Popular

Standard Home Coverage

Built for owner-occupied single-family homes, this plan covers the structure, attached garage, and contents against fire, windstorm, hail, theft, and plumbing failures.

Structural damage protection
Personal belongings coverage
Guest liability support
Temporary housing assistance
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Flood Protection Add-On Layer

Flood Protection

An optional layer for properties in flood-prone zones, this plan helps with water cleanup, structural repair, and damaged interior materials following a serious weather event.

Storm surge and overflow coverage
Interior materials and flooring
Appliance and systems damage
Cleanup and drying services
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Condo Coverage Condo Owners

Condo Coverage

Designed specifically for condominium owners, this plan protects interior spaces, personal property, and shared-area liability risks not covered by the building association policy.

Interior unit improvements
Personal items within the unit
Loss assessment coverage
Liability for shared areas
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Landlord Plan Rental Property

Landlord Plan

Built for rental property owners, this plan protects the building structure and handles tenant-related liability concerns that standard homeowner policies typically exclude.

Rental property structure
Landlord liability protection
Loss of rental income coverage
Vandalism and malicious damage
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Claim Process

How a home insurance claim actually moves

01

Report the Loss

A short call or online form opens the claim and logs the damage date so an advisor can pick it up the same day.

02

On-Site Review

An adjuster visits the property, photographs the damage, and notes which repairs the home policy will cover.

03

Estimate Approval

Repair costs are checked against policy limits and the deductible, then shared in a clear written estimate.

04

Payout Released

Once the estimate is signed, funds release so repairs, replacements, and cleanup can start without delay.

Common Questions

Coverage questions, answered plainly

Coverage limits can be reviewed and updated when the home's circumstances change, such as after a major renovation, a new addition, or a significant purchase that increases the value of belongings.
Detached structures like garages, sheds, and workshops are typically covered under other structures provisions, up to a set percentage of the total dwelling limit. Specific amounts vary by policy.
Most standard plans include off-premises personal property coverage, which means items like laptops or jewelry may be covered against theft even when taken outside the home, subject to the policy limits and deductible.
Earthquake coverage is typically separate from standard home policies. Homeowners in seismically active regions can explore a dedicated add-on layer to protect against ground movement and resulting structural damage.
Actual cash value accounts for depreciation, so a payout reflects the item's current market value. Replacement cost coverage pays the full cost to buy a similar new item without factoring in age or wear.

Find the plan that fits how the home is actually lived in

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