Home & property, explained
Protect your home with the right coverage
Homeowners, renters, condo, landlord, and flood coverage — what each protects and how to compare policies.
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Insurance basics
Plain-language explanation of how the coverage works and what it pays for.
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Step-by-step walkthroughs for the decisions you actually face.
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View all →Types of home insurance coverage explained
A standard home insurance policy is made up of several coverages that work together: the structure of your home, your be...
Read more →What is umbrella insurance and who needs it?
Umbrella insurance adds an extra layer of liability coverage above the limits of your home, auto, and other policies. It...
Read more →Landlord insurance explained
Landlord insurance covers a property you own and rent to others. It looks similar to homeowners insurance but is built f...
Read more →Mobile and manufactured home insurance explained
Mobile and manufactured home insurance is designed for factory-built homes, which standard homeowners policies often wil...
Read more →Condo insurance (HO-6) explained
Condo insurance, often written as an HO-6 policy, fills the gap between your condo association's master policy and your...
Read more →Earthquake insurance explained
Standard homeowners and renters policies exclude earthquake damage, so coverage must be added separately. Earthquake ins...
Read more →Popular how-to guides
Common questions
＋ How much dwelling coverage do I need?
Base dwelling coverage on the cost to rebuild your home, not its market value or purchase price. A local rebuild estimate or your agent can help you set the right amount.
＋ What is not covered by home insurance?
Standard policies typically exclude floods, earthquakes, routine wear and tear, pest damage, and maintenance issues. Some risks can be added by endorsement or a separate policy.
＋ Does home insurance cover roof replacement?
A roof damaged by a covered peril like a storm may be covered, but payment depends on whether your policy pays replacement cost or actual cash value, and the roof's age.
＋ How do home insurance deductibles work?
You pay the deductible before the insurer pays the rest of a covered claim. Some policies have a separate, percentage-based deductible for wind or hurricane losses.
＋ How is condo insurance different from homeowners?
A condo policy covers your unit's interior, belongings, and liability, while the condo association's master policy covers the building and common areas. Read the master policy to see where your coverage should start.
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