Homeowners
We provide coverage you can trust to protect your home and family.
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What's covered. And everything else.
Covered
- The structure of your home
- Other structures on your property, like a garage or shed
- Your personal belongings
- Additional living expenses if you cannot live in your home due to a covered loss or repairs
- Your personal liability or legal fees
- Valuable items, with options to add extra coverage (subject to special limits for certain categories)
Not covered
- Flood damage (requires separate flood insurance)
- Earthquake damage unless added by endorsement (including other earth movement such as landslide, subsidence, sinkhole)
- Normal wear and tear or maintenance-related issues
- Damage from pests (termites, rodents, etc.)
- Intentional damage or neglect
- Certain high-value items without scheduled coverage
- Water or water-borne material that backs up through sewers or drains or overflows/discharges from a sump or related equipment, unless added by endorsement
And answers.
Common questions. And answers.
How is my premium calculated?
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. Discounts and rating factors vary by state and program.
What can I do to lower my homeowner’s insurance premium?
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. Talk with your insurance agent to review your coverage and find out about any discounts you may qualify for. Discounts and eligibility vary by state and program.
How can I pay my home insurance bill?
We offer several ways to pay: online via Make a Payment on our website, by phone at 866-228-7993 (or 808-237-5060 for Hawaii policies), or by mail. Contact us or your agent for the correct mailing address for your policy.
What’s the difference between replacement cost and actual cash value?
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.
How do I file a claim?
Submitting a claim is simple: by phone at 866-228-7993 (or 866-789-4228 in Hawaii), online using the “Submit Claim Online” option, or through your independent insurance agent. After your claim is filed, one of our claims professionals will contact you to learn how the loss occurred and what damages were sustained.
Available Discounts:
- Windstorm / Loss Mitigation
- Protective Device
- Accredited Builder / Construction Quality
- Secured Community / Building
- And more…
Discounts vary by state and program and may be subject to underwriting eligibility and filings.
Important: Coverage availability, terms, limits, and exclusions vary by state and program. The policy governs; this website is a high-level summary and does not modify or replace the policy.