Homeowners Insurance

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Homeowners insurance is designed to protect you from the things that can damage your home, belongings, or hurt you financially. It covers wind/hail damage, fires, lightning, theft, and more. Plus it covers injuries that occur on your property and lawsuits against you, such as someone suing you because they were hurt at your home.

When you get your free homeowners insurance quote, many of your coverages will be automatically included. Plus, you can add even more. We have expert agents standing by to guide you through your choices.

When you should consider homeowners insurance

Homeowners insurance is for you if you own a home, vacation home, or are purchasing a home. If you own a condo, town house, or row home you need condo insurance—or renters insurance if you rent from someone else. Not sure? Get a homeowners insurance quote, and we'll make sure you get the right policy.

If you have a mortgage, your lender will likely require you to get insurance for your home. We'll help take care of the details with your lender. Plus, in most situations, you'll be able to combine your insurance payments with your mortgage bill (called escrow).

Try our HomeQuote Explorer: A unique quoting experience. We're the only home insurance company that lets you compare rates and coverages from multiple companies. You only have to enter your info once, then we'll show a number of options. See more on HomeQuote Explorer.

Homeowners insurance coverages we offer

We offer coverages for your house, garages, sheds, other structures on your property, lawsuits against you, and more. Get a homeowners insurance quote online, and we'll have expert agents standing by to help explain all your options. Questions already? See our homeowners insurance FAQs.

Repair/rebuild your home and other structures

Home insurance pays to repair or completely rebuild your house, materials inside like your kitchen countertops, attached, and unattached structures (garage, deck, porch, swimming pool, shed, fence, etc.). You're covered against fire, wind, hail, tornados, falling trees/limbs, ice dams, the weight of snow, sleet, or ice on your roof, and more.

Example: It snows a ton, and your roof caves in. The snow then falls into your house damaging your walls, kitchen cabinets, countertops, and more. Homeowners covers all of these damages.

Temporary living expenses

If you can't stay at home during repairs, your homeowners insurance covers hotel stays and even meals (above what you'd normally pay).

Example: A tree crashes through your roof, and you have to spend $2,500 to stay two weeks at a hotel. You're covered for that bill, plus your meal expenses beyond your usual costs.

Injuries and lawsuits against you

This coverage is called personal liability and covers property damage and injury lawsuits. That means if you/your family members are responsible for someone else's injuries or damages to their property. You can add coverages for libel, slander, or other lawsuits.

Example: A delivery person falls on your steps, breaks their arm, damages their merchandise, and then their company sues you. Your homeowners insurance will pay for their medical bills, lost wages while they're injured, and the damaged merchandise.

Your personal possessions

Furniture, clothes, electronics, appliances, tools, power equipment, etc. are covered (even if they're not in your house). To get extra protection, you may have to add a separate coverage for jewelry, art, or other expensive items. If so, give us a call at the end of your online homeowners insurance quote.

Example: Someone breaks into your car and steals your cellphone and thousands of dollars worth of tools/equipment. You just have to pay your deductible, and the rest is covered.

See all coverages

Ways to save on homeowners insurance

Bundle homeowners + auto

Save another 10% or more when you combine Progressive home and auto.^† Your discount will be applied to your auto policy. See more on bundling insurance.

Quote in advance

Plan ahead and save. Get a home insurance quote 10 days before your actual policy starts to save.

Alarm systems and safety devices

You could earn extra discounts for fire alarms, burglar alarms, automatic sprinklers, and security systems in your home.

New purchase

Earn an extra discount if you're purchasing a new home (doesn't have to be newly built) or switching from a current renters policy.

See all discounts

We have a network of home insurance companies we work with and can connect you with. This gives you more price and coverage choices when quoting. The availability and amounts of discounts can vary by company and your state.

Types of homes we insure

Just get a homeowners insurance quote online, and we'll ask you about your house and how you use it. That way, we'll help you get the coverages you need.

New purchases (meaning a home you're closing on or are interested in purchasing)
Seasonal/vacation homes
Homes as a business property
Foreclosures/vacant homes
Condominiums (see more on condo insurance)
Homes you rent to others (call 1-855-347-3749 for specialized coverage)
Homes you're renting (we'll still insure you, but you'd need renters insurance instead)
Homes with unique architecture or worth more than $1 million (for specialized coverage, just call 1-855-423-8307 to talk to a professional)