Coverage
Find the right protection
Here's a plain-English overview of the coverage we offer. Every policy is different, so your agent will review the details with you before you buy.
Homeowners insurance
Your home is likely your largest investment. Homeowners insurance helps pay to repair or rebuild after covered events like fire, wind, hail, or theft, and protects you if a guest gets hurt at your home. Most mortgage lenders require it.
What it typically covers
- Dwelling. Your house itself, plus attached features like a garage or deck.
- Other structures. Separate buildings and features on your lot, like a shed, fence, or stand-alone garage.
- Personal property. Furniture, clothing, electronics, and other belongings, at home or away.
- Loss of use. Extra living costs, like a hotel, if a covered loss makes your home unlivable.
- Personal liability. Legal and medical costs when you are legally at fault for someone else's injury or damaged property.
- Medical payments. Minor medical bills for guests injured on your property, regardless of fault.
Renting or own a condo? Ask us about renters and condo policies, which cover your belongings and liability.
Auto insurance
Auto insurance protects you financially after an accident, theft, or damage to your vehicle, and meets your state's legal requirements to drive.
What it typically covers
- Liability. Injuries and property damage you cause to others. Almost every state sets a minimum you must carry.
- Collision. Repairs to your car after an accident, regardless of fault.
- Comprehensive. Theft, vandalism, fire, falling objects, and animal strikes.
- Uninsured and underinsured motorist. Your costs when the at-fault driver has little or no insurance.
- Medical payments or personal injury protection. Medical costs for you and your passengers. Options vary by state.
- Optional extras. Rental reimbursement, roadside assistance, and more.
Bundling auto with homeowners coverage often lowers your total cost. Ask your agent to compare.
Umbrella insurance
A serious accident or lawsuit can exceed the liability limits on your home and auto policies. Umbrella insurance adds another layer of protection, usually in $1 million increments, for a relatively low cost.
What it typically covers
- Extra liability. Pays above your home and auto liability limits once those are used up.
- Broader protection. Some policies cover claims your other policies don't, such as certain libel or slander claims.
- Legal defense. Many policies help pay attorney fees for covered claims.
Umbrella policies usually require minimum liability limits on your underlying home and auto policies.
Flood insurance
Standard homeowners policies generally don't cover flood damage. Floods can happen almost anywhere, including outside high-risk zones, and just a few inches of water can cause costly damage.
What it typically covers
- Building. Your home's structure and systems, such as electrical, plumbing, and HVAC.
- Contents. Your belongings. This is usually a separate coverage you choose.
- Program options. Coverage from the federal flood program run by FEMA (NFIP) or from private flood insurers.
NFIP policies typically have a 30-day waiting period before coverage starts, so it pays to plan ahead.
These descriptions are general and simplified. Actual coverage depends on the policy, carrier, and state. Your policy documents control.