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Homeowners insurance

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What is home or property insurance?

Most people simply can't afford to rebuild their home and replace everything in it if there's a disaster. A home insurance policy can protect your property, some of your personal possessions and you.

Home is a place to relax. So, when you get home and let your guard down, we step up. Providing protection when and where you need it most. We’re proud to offer dependable home insurance policies. Get a homeowners quote online to start protecting your home, belongings and peace of mind.

Nationally, more than half of U.S. homes are underinsured.¹

Make sure your home is insured to at least 100% of its estimated replacement cost.

With the right home insurance coverage, you'll feel comfortable knowing that, in the event of a disaster, your property is protected.

No matter what type of home you own, personal property insurance is your responsibility. If you live in a condominium, remember that the condo association or cooperative won’t pay for damage caused inside your unit, even if it results from an incident outside of your control, such as a pipe bursting or an electrical fire.

Bundle & save

Combine auto, home and life to save time and money.

Get a multi-policy discount

Manage your policies online

Get ID cards and policy documents, change your coverages, make payments or manage a claim.

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Protect your home

Add the smart home program to keep your home safe from water damage, break-ins, fires and more.

Learn about the smart home program

Florida Residential Property Windstorm Discounts. As required under s. 627.0629, Florida statutes, if you wish to learn more about the available windstorm discounts, please click the following link for additional information.

The basics of property insurance

Understand the limitations of a basic insurance policy and what can be added. Review your policies regularly to ensure you're not overinsured or underinsured.

Get a homeowners insurance quote online

Caring for your home and loved ones is crucial. That’s why we offer homeowners insurance you can depend on. From dwelling coverage to personal property protection, we provide homeowners insurance policies to suit your needs and budget. Homeowners' policies cover:

Dwelling – Coverage that protects the structure of the home (roof, walls, wall-to-wall carpeting, etc.)
Other structures – Coverage for sheds, detached garages and other structures not connected to the main dwelling itself
Personal property – Coverage for personal items (clothing, furniture, appliances, computers, etc.) on and off the premises
Loss of use – Coverage for when an insured has to move out of the home while repairs are made as a result of damage caused by a covered loss

Home insurance can also be used as a means of financial protection. If someone sues after being injured on your property, proper home insurance limits can ensure you won’t be paying their legal fees from your pocket.

We also offer insurance policies for owners of second homes and vacation homes. This way, you, your family and your guests are protected wherever you go.