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$125
per month
Dwelling
$425,000
Personal Property
$297,500
Liability
$300,000
Deductible
$1,000
$118
per month
Dwelling
$425,000
Personal Property
$297,500
Liability
$300,000
Deductible
$1,000
$132
per month
Dwelling
$425,000
Personal Property
$297,500
Liability
$300,000
Deductible
$1,000
Protects your home's structure from covered perils like fire, wind, and hail
Covers your belongings like furniture, electronics, and clothing
Protects you if someone is injured on your property or you damage others' property
Covers temporary housing if your home becomes uninhabitable
You should have enough dwelling coverage to rebuild your home completely. This is typically the replacement cost, not the market value. Most experts recommend insuring your home for at least 80% of its replacement cost.
Several factors affect your rate including: location, home age and condition, coverage amounts, deductible, credit score, claims history, and safety features like security systems.
Standard policies typically don't cover floods, earthquakes, maintenance issues, or intentional damage. You may need separate policies or riders for these perils.
You can lower premiums by: increasing your deductible, bundling policies, improving home security, maintaining good credit, and asking about available discounts.
Compare quotes from multiple providers and find your best rate