Homeowners
(HO3)
Our homeowner insurance policy is designed to protect your home against perils like fire, theft, vandalism, and certain natural disasters.
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A homeowner insurance policy is designed to protect you from various risks. It typically protects the structure of your home against perils like fire, theft, vandalism, and certain natural disasters. Personal property coverage is usually included and covers some of the belongings inside your home.
Additionally, liability coverage protects against legal claims for injuries or property damage occurring on your property. Additional living expenses coverage helps with temporary living costs if your home becomes uninhabitable due to a covered event. It’s crucial to understand the coverage you purchase, and the specific policy’s terms, limits, and any exclusions to ensure you have adequate protection.
In the event your home becomes uninhabitable due to a covered loss and you need somewhere to live, additional living expenses cover the cost of temporary housing (a hotel, rental, AirBnB or other solution depending on your situation, up to the limits stated in your policy).
Coverage for claims for property damage or bodily injury for you when you as a homeowners are legally responsible for damage or injury.
Actual cash value or replacement value of your personal belongings, things such as clothing, furniture, jewelry, furs or family heirlooms.
Your premium is based on several factors, including the age and build of your home, its location, and your claims and credit history (where permitted by law). Things like security systems, smoke detectors, and the coverage and deductible choices you make also affect your rate. We consider all of this to provide you with a personalized and fair premium. Discounts and rating factors vary by state and program.
Saving on your homeowners insurance is easier than you might think! Simple steps like increasing your deductible or adding safety features such as smoke detectors, interior sprinkler systems, home security systems, and smart home devices can help reduce your premium. Be sure to talk with your insurance agent to review your coverage and find out about any discounts you may qualify for. Small changes can add up to big savings! Discounts and eligibility vary by state and program.
Replacement cost coverage pays the full cost to repair or replace your property at today’s prices, without deducting for depreciation (up to your policy limits). Actual cash value coverage pays the replacement cost minus depreciation, meaning you receive less based on the item’s age and condition.
Submitting a claim is simple. Select one of the following ways:
By Phone: For homeowners claims call (866) 228-7993 (or (866) 789-4228 if you’re in Hawaii).
Online: Use the “Submit Claim Online” option on our website.
Through your independent insurance agent: Your agent can report the claim on your behalf. After your claim has been filed, one of our claim’s professionals will contact you to learn how the loss occurred and what damages were sustained. If requested, you must send a signed, sworn proof of loss within 60 days.
Yes, you can change your coverage. If you’ve made upgrades or remodeling, your home’s value will likely increase, so you’ll want to update your coverage accordingly. Contact your agent to adjust your policy.
Coverage to upgrade your roof to a Fortified RoofTM, that’s an Insurance Institute for Business & Home Safety (IBHS) definition, and it’s only if we determine that the entire roof needs to be replaced due to a covered loss.
Coverage for increased costs of reconstruction, repair and demolition of property based on the local laws or ordinances governing those items. It’s usually stated as a maximum percentage of the Coverage A limit.
Increased coverage for covered loss assessments, you might be familiar with these if you live in a condo.
Coverage for loss resulting from water backing up through sewers or drains or overflowing from the sump.
Coverage for specified other structures.
Provides replacement cost rather than the actual cash value (which include depreciation).
Liability coverage for personal injury to others for offenses such as false arrest, detention or imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction or wrongful entry.
Coverage can be purchased for various specific types of property (antiques, art, jewelry, silverware, stamps, etc.).
Package endorsements offer a bundle of most commonly selected endorsements at the best price.
Coverage for expenses incurred as a direct result of identity fraud.
