Property insurance
Protect the place your family calls home.
Your home is one of your biggest investments. We'll help you understand what your policy covers, identify potential gaps, review replacement cost, evaluate liability protection, and discuss bundling opportunities.
What property insurance usually covers
Every policy differs, but most property coverage is built from a handful of moving parts. Understanding them is what makes the difference at claim time.
Dwelling
The structure itself, generally up to your policy limit and subject to your deductible.
Other Structures
Detached garages, fences, sheds and similar structures on the property.
Personal Property
Your belongings — often with special limits on jewelry, art and collectibles.
Loss of Use
Additional living expenses if a covered loss makes your home unlivable.
Personal Liability
Claims made against you for bodily injury or property damage.
Endorsements
Water backup, ordinance or law, scheduled valuables and other add-ons.
Coverage review
Things worth checking
- Is your dwelling limit close to today's rebuilding costs?
- Do you have extended or guaranteed replacement cost?
- Have renovations changed your home's value?
- Are high-value items scheduled separately?
- Do you understand your wildfire or brush exposure?
- Is your liability limit aligned with your assets?
Coverage varies by policy, carrier and state. This page is educational and is not a statement of coverage or a recommendation.
Common questions
Let's review your property coverage before your next renewal.
Send us what you have today and we'll help you understand whether it still fits.