Be protected wherever you are.

Dwelling coverage helps pays for damage to the structure itself caused by sudden, accidental events like fire, wind, lightning, falling objects and vandalism. This is the coverage most homeowners think of first when selecting insurance.

Liability coverage helps pay the cost of injury to others and damage to their property when you’re at fault. This coverage is required by law in nearly all states.

Personal property coverage includes the things you own—furniture, electronics, and clothing. This helps pay to repair or replace your belongings after a covered loss, such as theft or fire.

Other structures coverage is the part of a homeowners insurance policy that helps pay to repair or replace structures other than your home, such as a fence, if they are damaged by a covered risk. For example, if a tree falls on your detached garage or shed, other structures coverage may help pay for repairs.