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Home Insurance Coverage

  • OVERVIEW
  • WHAT'S COVERED
  • WAYS TO SAVE
  • FAQ

What is Homeowners Insurance?

Home Insurance

Homeowners insurance helps cover the costs to repair or replace your home and belongings in the event they are damaged by covered threats like fire, theft and severe weather. Homeowners insurance is an important way to help ensure that you will be able to rebuild your home and replace the items in it should misfortune strike. Homeowners insurance can help protect you against the costs of property damage or destruction, and can also provide help to cover the costs of liability exposures if, for example, someone is injured on your property.

What Does Homeowners Insurance Cover?

A typical homeowners insurance policy (also known as an HO3 policy) generally covers your home and your personal property and helps cover the costs of losses that result from covered incidents like:

  • Fire
  • Windstorms
  • Hail
  • Lightning
  • Vandalism
  • Theft
  • Weight of ice, snow, or sleet
  • Freezing of plumbing, heating, air conditioning, or other household systems

Typically, damage caused by floods and earthquakes is not covered by basic homeowner insurance policies. Optional homeowner insurance coverages and policies may be available to cover damage due to such additional threats. Check with your insurance professional for help determining what coverage may be best for your specific needs.

Types of Home Insurance Coverage

A typical homeowners insurance policy includes several types of coverages, coverage limits and deductibles. Consider how the following coverages can help ensure your home and assets are covered.

Dwelling Coverage

Dwelling coverage can help you pay to repair or rebuild your home if it is damaged by a covered event. Typically, you will want to have enough dwelling coverage to cover the estimated cost to repair, rebuild and replace your property.

Other Structures Coverage

Other structures coverage can help pay for covered damages to detached structures on your property like garages, sheds and fences.

Personal Property Coverage

Personal property coverage can help you pay for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics. Special limits of liability may apply to certain items.

Loss of Use Coverage

Loss of use coverage can help pay your additional living expenses if you must move out of your home temporarily while it's being restored. This is typically subject to coverage terms and limits.

Personal Liability Coverage

Personal liability coverage can help protect you in the event of a claim. It also helps cover related costs if a legal suit is brought against you or a member of your household for bodily injury or property damage to others.

  

Ready to move forward with your homeowners insurance? Start your home insurance quote today – it’s quick and easy.

Home Insurance Deductibles and Limits

Your home insurance deductible is the amount of a covered claim that is your responsibility to pay before your insurance starts to cover costs. When choosing your  insurance deductible, consider how much you're prepared to pay should you have a covered claim.

Your home insurance coverage limits (the dollar amount of homeowners insurance coverage you buy) starts with your dwelling coverage. The limits of coverage for the other standard coverages in your homeowners policy are typically calculated as percentages of the dollar amount of your dwelling coverage limit.

Additional Homeowners Insurance Coverages

The following coverages can typically be added to a primary homeowners policy and provide a great way for you to work with your insurance representative to customize your policy to your specific needs.

Special Personal Property Coverage

This special coverage for personal property or contents can provide broader protection for your possessions in the event of a covered loss. It can cover your personal property in more situations than a homeowners policy.

Contents Replacement Cost

Personal property replacement cost coverage helps cover personal property losses based on their replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry and watches.

Additional Replacement Cost Protection Coverage

Additional replacement cost coverage helps provide an additional amount of coverage to help repair or rebuild your home if the dwelling coverage on your home is not enough to cover the cost to repair or rebuild after a covered loss.

Jewelry and Valuable Items

Does homeowners insurance cover theft? Travelers Valuable Items Plus coverage can provide higher limits and expanded protection for special classes of property such as jewelry and silverware.

Personal Articles Floater

A personal articles floater is a separate valuable items policy that is available should you need coverage or higher amounts of coverage for specific valuable items.

Water Backup and Sump Pump Discharge or Overflow

Does home insurance cover water damage? If water backs up from a sewer or drain within your home, or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. This does not include coverage for flood or surface water backup.

Identity Fraud

Travelers identity fraud expense reimbursement coverage can provide up to $25,000 that can help cover expenses to restore your identity if it's used fraudulently.

Green Home Coverage

Green home coverage from Travelers provides additional protection that can help cover the costs to repair, replace or rebuild with green materials, after a covered loss occurs.

 

OpenHouse - Your Free Home History Report [Tool]

Better understand the history of major work and renovation for the home you plan to buy. OpenHouse helps you go beyond the paint and staging.

Learn more

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If You Bundle Your Policies, You Could Save Up to 15% on Your Home Insurance1. See how.

Related Products

Valuable Items

Jewelry & Valuable Items

From jewelry to collectibles, you may have more valuables than you realize. And your home insurance policy may not provide the coverage you need.

Umbrella Insurance

Umbrella Insurance

This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected events.

Boat or Yacht Insurance

Boat and Yacht Insurance

Knowing that you, your passengers and your vessel are protected can help you relax and enjoy your time on the water.

Prepare & Prevent

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How to Help Protect Your Smart Home From Hackers

Are you enjoying the convenience of a virtual assistant, smart appliance, smart home security, or smart lighting? Here are some steps you can take to make it harder for your smart home to be hacked.

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6 Tips for Working from Home with Your Kids

The juggle of work and home life has taken a different form for working parents of school-age children. Learn 6 tips for working from home with your kids.

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How COVID-19 is Affecting the Housing Market

Economic hardships can affect mortgage rates, how you look for homes, and even the closing and moving process. Learn more about these considerations when looking for a home during this global pandemic.

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*Quotes may not be available in all states or for all products. In CA, quotes for all products must be obtained through a local independent agent.

Amazon, Echo, Alexa and all related logos are trademarks of Amazon.com, Inc. or its affiliates. All Amazon trademarks and copyrights are property of Amazon.com or its affiliates.

Coverage, discounts and other features are subject to individual eligibility and to availability.

Travelers, the Umbrella logo and all other Travelers marks are trademarks of The Travelers Indemnity Company and its affiliated companies.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles. 

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519, State of Domicile: CT; or Travelers Property Casualty Insurance Company, Certificate of Authority #6521; State of Domicile: CT. Homeowners Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority #3545, State of Domicile: CT. In CA: Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545, State of Domicile: Connecticut. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Homeowners Insurance is underwritten by Travelers Personal Insurance Company. Personal Article Floater Insurance is underwritten by The Phoenix Insurance Company and The Travelers Indemnity Company of America. Personal Liability Umbrella Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, The Travelers Indemnity Company of America, The Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company and Travelers Personal Insurance Company. Special Event Insurance is underwritten by The Standard Fire Insurance Company. Boat Insurance is underwritten by The Travelers Home and Marine Insurance Company. Yacht Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, and The Travelers Indemnity Company of America. All underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183. 

110% savings on auto insurance when you buy a Travelers home insurance policy.

Pet Insurance, Motorcycle Insurance, and Travel Insurance is not underwritten by Travelers or its Affiliates (“Travelers”). Travelers utilizes its affiliate, InsuraMatch, LLC, an independent insurance agency, to refer consumers interested in pet coverage, motorcycle and off-road vehicle coverage, and travel coverage. For more information about the underwriting entities click “Learn More” to be directed to the specific product page.