Sign inGet Started

# Your perfect home insurance plan is just a quote away.

Product

LifeAutoHomeDisability

Policy Type

HomeownersRentersCondo

ZIP Code

Get Started

## Not sure where to start?

Explore our content to get started on your home insurance journey.

### What is homeowners insurance?

Homeowners insurance is a form of property insurance that can protect your home and personal belongings in the event they're destroyed by a covered loss.

[Learn more

### What does homeowners insurance cover?

A basic homeowners insurance policy comes with six main coverages: dwelling, other structures, personal property, loss of use, liability, and medical payments

[Learn more

### How much insurance do you need?

Comparing home insurance quotes from multiple insurers is the best way to find the right coverage for your needs at the cheapest price.

[Learn more

## What homeowners insurance coveragetypes are there?

### Dwelling

[Navigate to Dwelling](https://www.policygenius.com/homeowners-insurance/what-is-dwelling-coverage/)

In homeowners insurance, your dwelling coverage can pay to rebuild the structure of your home in the event that it is damaged by a covered loss

### Other structures

[Navigate to Other structures](https://www.policygenius.com/homeowners-insurance/what-is-other-structures-coverage/)

Other structures coverage can help pay for damage to structures that are separate from your home, such as a fence, swimming pool, or guest house.

### Personal property

[Navigate to Personal property](https://www.policygenius.com/homeowners-insurance/personal-property-insurance/)

Personal property insurance is a part of every standard home, condo, or renters insurance policy, and can cover the cost to replace your belongings in the event of damage or theft.

### Loss of use

[Navigate to Loss of use](https://www.policygenius.com/homeowners-insurance/what-is-loss-of-use-coverage/)

Loss of use coverage is the part of your home insurance policy that can pay for additional living expenses like hotel stays and restaurant meals if your house is badly damaged and you need to move out temporarily.

### Personal liability

[Navigate to Personal liability](https://www.policygenius.com/homeowners-insurance/what-is-personal-liability-insurance/)

Personal liability insurance is protection for your financial assets if someone is hurt or their property is damaged and you’re found legally responsible.

### Medical payments

[Navigate to Medical payments](https://www.policygenius.com/homeowners-insurance/what-is-medical-payments-coverage/)

Medical payments coverage is the portion of your homeowners insurance that can help pay for medical expenses to neighbors or house guests if they're injured on your property.

## How much home insurance do youneed?

Use our free calculator to find out.

ZIP Code

Get Started

## Learn, compare, and buy with Policygenius

We have everything you need to help you get the right home insurance coverage for your needs.

### 8 types of homeowners insurance

"Here’s a rundown of the eight different types of [homeowners insurance](https://www.policygenius.com/homeowners-insurance/) policies you can choose from based on your home and coverage needs."

[Learn More

### What does homeowners insurance not cover?

"Standard homeowners insurance does NOT cover damage caused by flooding, earthquakes, termites, mold, or normal wear and tear."

[Learn More

### Does having a pool affect your homeowners insurance?

"You'll likely see higher home insurance rates if you have a pool due to your increased risk of filing a claim."

[Learn More

### Umbrella insurance: How it works & what it covers

"Umbrella insurance is enhanced liability protection that supplements your homeowners insurance and auto insurance policies."

[Learn More

### 17 homeowners insurance policy endorsements

"An endorsement is optional coverage you can add to your homeowners policy to protect your home and property from types of loss not covered by standard insurance."

[Learn More

### Home insurance renewal: What you need to know

"Home insurance renewal usually happens automatically, though it’s still a great time to review your policy to see if you can find better coverage or cheaper rates elsewhere."

### Flood insurance: What’s covered & do you need it?

"Flood insurance is separate from your standard home insurance policy and covers the cost of repairs and other expenses if your home is damaged in a flood."

[Learn More

[Read More Guides

## Finished scrolling?   Startsaving.

Find the insurance you need and save by shopping from the most trusted insurers.

[Get Started