Home insurance for the place you've worked hard for
Your home is likely one of your largest investments. We'll help you understand dwelling, contents, and liability coverage so you can choose protection that fits.
What is home insurance?
Homeowners insurance helps protect the structure of your home, your personal belongings, and your liability if someone is hurt on your property. Most mortgage lenders require it.
Policies differ in what perils they cover and how they value a loss. Knowing whether your policy pays replacement cost or actual cash value can make a real difference after a claim.
Common coverage options
Availability and terms vary by insurance company and state. An agent can explain what applies to you.
- Dwelling
- Helps pay to repair or rebuild your home's structure after a covered loss, such as fire or wind damage.
- Other structures
- Helps cover detached structures on your property, like a garage, fence, or shed.
- Personal property
- Helps replace belongings such as furniture, clothing, and electronics after a covered loss, at home or away.
- Loss of use
- Helps with additional living expenses, like a hotel, if a covered loss makes your home unlivable.
- Personal liability
- Helps pay for legal costs and damages if you're found responsible for injuring someone or damaging their property.
- Optional endorsements
- Add-ons may be available for water backup, scheduled jewelry, equipment breakdown, and more.
Benefits
- Help meeting mortgage lender requirements
- Protection for your home and belongings
- Liability protection for accidents on your property
- Guidance on bundling home and auto where available
Things to consider
- Standard homeowners policies usually do not cover flood or earthquake. These typically require separate policies.
- Your dwelling limit should reflect the cost to rebuild, which can differ from your home's market value.
- Keep a home inventory with photos or video to make any future claim easier.
- Updates to your roof, plumbing, or electrical systems may affect eligibility and pricing.
Home Insurance questions
Does home insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Flood coverage is usually available through a separate policy. Ask an agent whether it makes sense for your location.
What's the difference between replacement cost and actual cash value?
Replacement cost helps pay to replace an item with a new one of similar kind and quality. Actual cash value factors in depreciation, so the payout is typically lower.
Do I need home insurance if I've paid off my mortgage?
It's no longer required by a lender, but it still protects what is often your largest asset and your personal liability. Most homeowners keep coverage in place.
What information do I need for a home quote?
Helpful details include the property address, year built, square footage, roof age, and any recent updates. You can share what you know and an agent will follow up for anything else.
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Questions about home insurance?
Request a free quote online or call a SureLine agent. There's no obligation to buy.