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Homeowners insurance is a type of insurance that provides financial protection for homeowners against losses and damages to their property. It typically covers the following:
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What risks does your policy cover?
Structural damage: Covers damage to the main structure of the home, such as the roof, walls, and foundation.
Personal belongings: Covers damage or loss of personal property, such as furniture, electronics, and clothing.
Liability protection: Covers the cost of any legal fees and settlements if someone is injured on your property or if you are found liable for damages caused by your property.
Additional living expenses: Covers the cost of temporarily living elsewhere if your home is uninhabitable due to a covered loss.
Medical payments: Covers medical expenses for guests who are injured on your property.
Natural disasters: Covers damage caused by natural disasters such as hurricanes, tornadoes, and earthquakes.
Certain types of homeowners insurance also may include coverage for things like sewer backup, identity theft, and credit card fraud.
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Get coverage built to protect your home
Icinsured home insurance is more than quality coverage for your space. With access to innovative tools, money-saving discounts and a local agent, it’s easy to make sure you’re covering all your bases. Read on to see all that Allstate has to offer.
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Get coverage built to protect your home
It depends where you live, but standard homeowners insurance policies will typically help pay to repair damage caused by certain risks or perils, including:
- Theft
- Fire and smoke
- Windstorm or hail
- Falling objects
- Frozen plumbing
- Water damage from plumbing, water heater, appliances and heating or cooling systems
Here's how to insure your home
Explore coverage for other kinds of property
Every home comes with its own set of benefits and risks. Quality property insurance can help give you peace of mind no matter where you live. Learn about coverage options that could be right for you.
How can an agent help protect your home?
They work to understand your unique needs so they can help you get the coverage that fits your life and home. Specifically, Allstate agents can:
- Explain your home insurance coverage options
- Find discounts to save on your home insurance premium
- Help you understand the home claims process
- Help protect your family’s future with life insurance which can help you pay off your mortgage.
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Homeowners Insurance
Get a homeowners insurance quote that covers your house & more
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Get a home insurance quote customized to your needs
Homeowners insurance protects against damage to your home and belongings from covered perils, and safeguards your assets if you’re liable for someone else’s injuries or property damage. Additionally, your homeowners policy may pay for an increase in living expenses if your home is uninhabitable due to a covered loss. Get a homeowners insurance quote online today and see how easily you can obtain customized coverage from Progressive.
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Alarm systems and safety devices
You may qualify for discounts if you have a burglar alarm, automatic fire protective sprinklers, or a centrally monitored security system in your home.
New purchase
You may qualify for a discount when you purchase a new home (doesn't have to be newly built).
We connect you with a network of home insurance companies to give you more price and coverage choices when quoting. The availability and amounts of discounts can vary by company and your state.
STANDARD COVERAGES
Dwelling
Dwelling coverage may pay to repair or rebuild your house caused by fire, severe weather, falling trees, ice dams, and other covered perils.
Example: You may be protected if your roof caves in from the weight of ice, snow, or sleet, damaging interior components such as walls, kitchen cabinets, and countertops.
Loss of use
If you’re unable to stay in your home during repairs due to a covered loss, additional living expenses (part of your loss of use coverage) may pay for additional living expenses above what you’d typically pay, up to your policy’s limits.
Example: A fire damages your kitchen and you’re unable to live in your home while the repairs are being made. You may be covered for the cost of a hotel stay and meals, above what you normally spend on groceries.
Liability
Personal liability coverage helps protect your assets if you or your family members are liable for someone else’s damage or injuries. Additional coverages may be available to purchase for libel, slander, and other lawsuits. If you need more than a $500,000 liability limit, a separate umbrella policy may provide additional coverage.
Example: A delivery person falls on your steps and breaks their arm. If you’re found to be liable, your homeowners insurance may cover their medical bills and lost wages.
Personal property
Personal property coverage helps pay to repair or replace furniture, clothes, electronics, tools, and other belongings if they’re destroyed in a covered loss. For more expensive items, such as jewelry, art and collectibles, you may need to “schedule” the item, also known as adding an insurance rider to your homeowners insurance policy.
Example: Someone breaks into your car and steals your cellphone and work tools/equipment. Your home insurance policy may pay to replace the stolen items, up to the limits of your policy and minus your deductible.
Get a homeowners insurance quote in a few easy steps
It’s never been easier to get affordable and accurate home insurance quotes online. We’ll ask a few simple questions to help you find a policy that best protects your home and family, including the following:
- Who lives with you?
- Are you running a home-based business?
- When was your home built?
- How old is your roof?
- Do you have home insurance now?
Common questions about homeowners insurance
Below are some of the most asked questions about homeowners insurance. Check our home insurance FAQ and home insurance resources page for more information.
What does home insurance protect against?
It’s never been easier to get affordable and accurate home insurance quotes online. We’ll ask a few simple questions to help you find a policy that best protects your home and family, including the following:
- A windstorm causes damage to your roof. Dwelling coverage may pay to repair it.
- Your home is burglarized. Personal property coverage may pay to replace stolen or damaged items.
- A fire burns down your detached garage. Other structures coverage may pay to rebuild it.
- A guest slips on your kitchen floor and breaks their wrist. Medical payments coverage may provide some coverage for their medical bills.
Learn more about home insurance coverages and use our home insurance calculator to estimate how much home insurance you need.
Will homeowners insurance cover a rental property?
If you rent out a house to tenants or if your rental property is unoccupied, you’ll need a dwelling policy rather than a homeowners policy to cover your rental home. A dwelling insurance policy for a landlord may also cover the other structures on the property, theft of belongings, vandalism, loss of rent, and liability.
Does home insurance cover flooding?
Home insurance policies generally won’t cover flooding. If you live in an area prone to flooding, a flood insurance policy may help protect against damage to your home and personal belongings.
Learn more about how your home insurance policy may cover water damage.
Is home insurance required?
While homeowners insurance, sometimes referred to as house insurance, isn’t mandated by law in any state, your mortgage company will typically require you to show proof of a policy before they’ll fund your home loan or equity line of credit.
Even if you don’t have a mortgage on your property, a homeowners policy may be valuable in protecting against damage to your property and belongings.
Get Answers to more home insurance questions
Learn more about homeowners insurance, from understanding coverages to pricing information. See all home insurance resources.
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