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Why we ask: Dwelling coverage, or Coverage A, pays to repair or rebuild your home if it's damaged in a covered loss. Insurers will need to know the cost to rebuild your home so you'll have enough coverage in case your home is destroyed due to a covered peril.
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Why we ask: Personal property coverage, or Coverage C, insures your belongings — meaning anything that isn't attached to your home. If you were to lose everything you own in a fire, for example, you want enough personal property coverage to replace your belongings.
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Why we ask: Liability coverage, or Coverage E, provides financial protection if you or your household's residents are liable for bodily injury and/or property damage. You need enough coverage to account for all your assets in case you're sued because of injuries or damages at your home.
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Why we ask: You have the option to choose the deductible on your homeowners policy. A higher deductible can bring down your home insurance premium, but that means a bigger out-of-pocket expense in the event of a claim. A lower deductible can increase your premium, but you'll pay less out of pocket in case of a claim.
Estimated Coverages
Take the next step and personalize your home insurance coverages and limits to your property and state. You’ll answer questions specific to your home and we’ll provide a customized quote.
This calculator is for illustrative and educational purposes only and is not intended to be a substitute for an insurance quote. Its accuracy and applicability to your circumstances is not guaranteed. You may wish to consult a licensed insurance professional regarding your particular circumstances.
