Sign inGet Started # What does homeowners insurance cover? We've saved shoppers an average of $350 per year on home insurance. Your data security is our priority. Compare quotes 4.7 out of 5 Your marketplace for America's top insurers Author [Pat Howard](https://www.policygenius.com/author/pat-howard/)[Pat Howard](https://www.policygenius.com/author/pat-howard/) Managing Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and former managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University. & [Jennifer Gimbel](https://www.policygenius.com/author/jennifer-gimbel/)[Jennifer Gimbel](https://www.policygenius.com/author/jennifer-gimbel/) Senior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com. Reviewed [Fabio Faschi, PLCS, SBCS, CLCS](https://www.policygenius.com/author/fabio-faschi/)[Fabio Faschi, PLCS, SBCS, CLCS](https://www.policygenius.com/author/fabio-faschi/) Licensed Property & Casualty Insurance ExpertFabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker. Updated April 13, 2023 Expert reviewedExpert reviewedThis article has been reviewed by a member of our [Financial Review Council](https://www.policygenius.com/about/financial-review-council/) to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about our [editorial review process](https://www.policygenius.com/about/editorial-standards/). Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our [editorial standards](https://www.policygenius.com/about/editorial-standards/) and [how we make money](https://www.policygenius.com/about/#how-we-make-money). ## Homeowners insurance coverage explained Homeowners insurance provides coverage for your home and personal belongings in case of unexpected damage or loss. It also comes with liability protection that shields your assets from expensive legal judgements if you’re found negligent for an injury or property damage. Without home insurance, you’d need to cover these costs out of your own pocket. A basic homeowners insurance policy comes with six main coverages: dwelling, other structures, personal property, loss of use, liability, and medical payments. Here’s how each one works and how much of each you need, according to experts at the Insurance Information Institute: \[1\] [Why you can trust our sources](https://www.policygenius.com/about/editorial-standards/)Insurance Information Institute. " [What is covered by standard homeowners insurance?](https://www.iii.org/article/what-covered-standard-homeowners-policy)." Accessed May 24, 2022. | Coverage type | What it does | How much you need | | --- | --- | --- | | [Dwelling](https://www.policygenius.com/homeowners-insurance/what-is-dwelling-coverage/) | Pays to repair or rebuild your house and structures attached to it | Enough to completely rebuild your home from the ground up | | [Other structures](https://www.policygenius.com/homeowners-insurance/what-is-other-structures-coverage/) | Pays to repair or rebuild your shed, guest house, fence, or other structures on your property not attached to your home | 10% of your dwelling coverage limit | | [Personal property](https://www.policygenius.com/homeowners-insurance/personal-property-insurance/) | Pays to replace furniture, electronics, kitchen appliances, and other stuff you own | 50% to 70% of your dwelling coverage limit | | [Loss of use](https://www.policygenius.com/homeowners-insurance/what-is-loss-of-use-coverage/) | Pays for hotel stays, rentals, restaurant bills, and other temporary expenses while your home is being rebuilt | 20% of your dwelling coverage limit | | [Personal liability](https://www.policygenius.com/homeowners-insurance/what-is-personal-liability-insurance/) | Pays for guests' medical bills and legal expenses if you’re found legally responsible | $100,000 to $500,000 | | [Medical payments to others](https://www.policygenius.com/homeowners-insurance/what-is-medical-payments-coverage/) | Pays for guests' medical bills from minor injuries — regardless of who’s at fault | $1,000 to $5,000 | Expand table Compare rates and shop affordable home insurance today Start calculator Your data security is our priority. ### Dwelling coverage Also known as Coverage A, dwelling coverage helps cover the cost of damage to your home's structure, including the walls, roof, windows, and foundation. This coverage also covers your home’s plumbing, electrical, HVAC systems, and built-in appliances like furnaces and water heaters. If your home has an attached garage, deck, or porch, that’s generally covered as well. #### What type of damage is covered? Fire, smoke, wind, hail, weight of snow or ice, lightning, and many of the other most common causes of structural damage to your home are covered by the dwelling section of your policy. However, the best way to find out if damage to your house is covered or not is by understanding what isn’t covered. That’s because in a standard [HO-3 insurance](https://www.policygenius.com/homeowners-insurance/ho3-insurance/) policy, your home (dwelling) and standalone buildings on your property (other structures) are covered on an open perils basis. This means all causes of damage are covered except for the following policy exclusions: - Earthquakes, landslides, sinkholes - Flooding - Government action - Intentional loss - Neglect or wear and tear - Nuclear hazard - Water damage from sewer backups - Pest infestations - Power surges caused by the utility company - War If your house is damaged and you file a claim, the burden of proof is on your insurer to prove that the loss is not covered. Because the onus is on your insurance company, open perils is considered the most comprehensive type of home insurance protection. ### How to use dwelling coverage Say lightning strikes a tree and causes it to fall on your roof. Once you file a claim and pay your deductible, your insurance can help pay for repairs to your roof, walls, windows, or anything else that was damaged, up to the dwelling coverage limit in your policy. Learn more >> [How does dwelling coverage work & how much do you need?](https://www.policygenius.com/homeowners-insurance/what-is-dwelling-coverage/) ### Other structures coverage The other structures section of your homeowners insurance policy covers structures on your property not attached to your home, including a standalone garage, guest house, fences, gardening sheds, and mailboxes. #### What type of damage is covered? Other structures are also covered on an open perils basis, meaning fire, wind, theft, vandalism, and anything else that is not a specific [policy exclusion](https://www.policygenius.com/homeowners-insurance/home-insurance-exclusions/) is covered. ### How to use other structures coverage Say a tornado completely destroys your backyard gardening shed. Once you file a claim and after you pay your deductible, your home insurance can help cover the cost of having it rebuilt, up to the other structures coverage limit in your policy. Learn more >> [How does other structures coverage work?](https://www.policygenius.com/homeowners-insurance/what-is-other-structures-coverage/) ### Personal property coverage The personal property section of your policy covers damage or theft of your belongings, such as furniture, electronics, clothing, washing machines, sports equipment, and basically anything that you can move into or out of your home. This coverage applies to belongings inside your house and anywhere else in the world. #### What type of damage is covered? Unlike the previous two sections of your policy, personal property is [covered by named perils](https://www.policygenius.com/homeowners-insurance/peril-homeowners-insurance-definition/). This means the cause of damage or loss has to specifically listed in your policy in order for your insurance to pay out. In most cases, personal property insurance provides coverage for the following 16 perils: 1\. Fire or lightning 2\. Windstorm and hail 3\. Explosion 4\. Riot or civil commotion 5\. Damage caused by aircraft 6\. Damage caused by vehicles 7\. Smoke 8\. Volcanic eruption 9\. Vandalism and malicious mischief 10\. Theft 11\. Falling objects 12\. Weight of snow, ice, or sleet 13\. Accidental discharge/overflow of water 14\. Sudden tearing/cracking of appliances 15\. Freezing 16\. Power surges With named perils personal property coverage, the burden of proof is on you (not your insurer) to prove the loss was caused by one or more of the named perils. While the onus is on you this time to prove the loss is covered, you’re still protected against up to 16 perils, making this one of the broadest forms of coverage. ### How to use personal property coverage Say your laptop, cell phone, and jewelry are stolen from your hotel room while you’re on vacation. Once you file a police report, file a claim, and pay your deductible, your insurance provider can pay to replace your items, up to your personal property coverage limit of liability. Learn more >> [What is personal property coverage?](https://www.policygenius.com/homeowners-insurance/personal-property-insurance/) Compare rates and shop affordable home insurance today Start calculator Your data security is our priority. ### Loss of use coverage Also known as additional living expenses (ALE), loss of use coverage pays for your temporary living expenses if your house is damaged by a covered disaster — like a fire, hurricane, or tornado — and you need to live somewhere else during repairs. If you’re displaced from your home due to flooding, earthquake damage, or any other home insurance policy exclusion, your insurance won’t cover your additional living expenses. #### What type of expenses are covered? Most standard policies will cover any reasonable additional living expenses that exceed your normal monthly budget. Those expenses include, but are not limited to the following: - Hotel stays - Temporary rentals - Restaurant meals - Groceries - Relocation (fuel, rental cars, public transit) - Dry cleaning - Pet boarding - Storage units ### How to use loss of use coverage Say your home is destroyed by a tornado and you need to live somewhere else for the time being. After filing a home insurance claim, your insurer will send you monthly ALE checks to help you pay for temporary lodging and any other additional living expenses while your home is being rebuilt, up to the loss of use coverage limits in your policy. Learn more >> [What is loss of use coverage in homeowners insurance?](https://www.policygenius.com/homeowners-insurance/what-does-homeowners-insurance-cover/) ### Liability coverage Liability coverage protects your finances and assets in case you’re found negligent for somebody else’s injury or property damage and sued. Common liability incidents include trampoline or pool-related injuries, slip and fall accidents, and dog bites. #### What type of expenses are covered? Here are a few common liability coverage claims that may be covered by homeowners insurance. Keep in mind that for any of these to be covered, it needs to be proven that you or a household relative’s negligence caused the incident to occur: - Medical bills if a guest is injured on your property - Damage to someone else’s property - Legal expenses, including lawyer fees, court fees, and judgements ### How to use personal liability protection Say a food delivery person slips on your icy sidewalk and breaks their arm. After filing a claim with your insurer, you would likely be found negligent for not salting the sidewalk. From there, your insurance would likely pay the injured party’s medical bills, along with any other expenses, up to the liability coverage limit in your policy. Learn more >> [What is personal liability coverage?](https://www.policygenius.com/homeowners-insurance/what-is-personal-liability-insurance/) ### Medical payments coverage The medical payments portion of your policy covers minor injuries to guests if they’re injured on your property, whether you’re negligent for the injury or not. This is the least common type of claim — it only accounted for 0.3% of homeowners insurance losses in 2020, according to the Insurance Information Institute. \[2\] [Why you can trust our sources](https://www.policygenius.com/about/editorial-standards/)Insurance Information Institute. " [Facts + Statistics: Homeowners and renters insurance](https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance)." Accessed May 24, 2022. #### What type of expenses are covered? Minor physical injuries that occur to a guest on your property — regardless of who is at fault. Covered expenses include: - Health insurance deductibles and copays - Doctor or hospital visits - Medical, dental, or surgical procedures Keep in mind this does not cover injuries to family or friends who are permanent residents of the home. ### How to use medical payments protection Say your child’s friend slips on your pool deck, causing them to slice open their foot. After filing a claim, your insurance would likely help cover the cost of stitches and other medical treatment, up to the medical payments coverage limits in your policy. Learn more >> [What is medical payments coverage?](https://www.policygenius.com/homeowners-insurance/what-is-medical-payments-coverage/) Ready to shop home insurance? Start calculator ## Overview of what is & isn’t covered by home insurance Your homeowners insurance policy will list out which perils are covered and not covered. But there’s some gray area to consider here as well, as some policy exclusions (like water damage) may actually be covered under a certain set of circumstances. Here’s an example of perils that are usually covered, sometimes covered, and rarely covered under a standard home insurance policy. | Incident | Is it covered? | Explanation | | --- | --- | --- | | Fire | Usually | Most homeowners insurance policies [cover fire damage](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-fire/), though coverage may be limited in [areas prone to wildfires](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-wildfires/). | | Roof leaks | Sometimes | Whether or not [home insurance will cover a roof leak](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-roof-leaks/) depends on the source of the damage. Sudden damage from wind or hail would likely be covered, but a gradual leak due to normal wear and tear would likely not be covered. | | Theft | Usually | Most [home insurance policies cover theft](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-theft/) of personal belongings in most scenarios, including theft from your home, car, or hotel room. | | Plumbing | Sometimes | Standard [home insurance covers plumbing damage](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-plumbing/) if it's sudden and unexpected, but gradual water damage or pipe leaks generally won't be covered. | | Water damage | Sometimes | While most policies won't cover damage caused by natural flooding (like storm surge or flash floods), [home insurance may cover water damage](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-water-damage/) that's sudden and accidental, like a burst pipe. | | Mold | Sometimes | If the underlying cause is sudden and unexpected or hidden water damage, then [home insurance may cover mold](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-mold/) remediation and removal. Otherwise, it generally is not covered. | | Termite infestation | Rarely | Home insurance generally won't cover [damage caused by termites](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-termites/) nor their removal except for a rare set of circumstances. | | Dog bites | Sometimes | Your policy's liability protection will likely cover [medical and legal expenses from a dog bite](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-dog-bites/) unless your dog's specific breed is excluded from coverage. | | Foundation issues | Sometimes | Home insurance can cover everything from [foundation issues](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-foundation-repair/) to [broken pipes under slab](https://www.policygenius.com/homeowners-insurance/are-broken-pipes-under-slab-covered-by-home-insurance/) as long as the cause of the damage is covered. But the natural settling of your foundation or normal wear and tear is not covered. | | Lost or misplaced items | Rarely | Unless you upgrade your personal property coverage to open perils or broaden coverage via a schedule personal property endorsement, [lost or misplaced items](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-lost-or-damaged-jewelry/) are generally not covered. | | HVAC system | Sometimes | If your [HVAC is damaged by a covered peril](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-ac-units/) like lightning, fire, or sudden water damage, you may be covered. But damage due to maintenance issues or normal wear and tear are not covered. | Expand table ### Understanding coverage for earthquakes and floods For an additional cost, some home insurance companies will let you add flood or earthquake coverage to your homeowners insurance as an optional add-on. If your insurer doesn’t offer this, you’ll have to purchase separate [flood insurance](https://www.policygenius.com/homeowners-insurance/flood-insurance/) or [earthquake insurance](https://www.policygenius.com/homeowners-insurance/is-earthquake-insurance-worth-it/) policies to protect your home and belongings from those disasters. ### Increase your home insurance coverage with endorsements Most insurance companies offer a variety of optional coverages that can add an extra layer of protection for the structure of your home, increase coverage limits on expensive items like jewelry, and expand coverage to protect against losses that aren’t normally covered by a standard policy. But few homeowners actually take advantage of these policy add-ons. According to our [Policygenius Home Insurance & Inflation Shopping Survey](https://www.policygenius.com/homeowners-insurance/home-insurance-inflation-survey-2023/), 33% of homeowners don't know if they have any of these extra coverages. And just 17% have ordinance or law or inflation guard protection — two valuable endorsements that can protect you from rising rebuild costs after a natural disaster. To ensure your home is fully protected, here's a look at popular endorsements you should consider adding to your home insurance policy: - Ordinance or law: This [covers the increased cost of construction](https://www.policygenius.com/homeowners-insurance/what-is-ordinance-or-law-coverage/) if your house is damaged and needs to be rebuilt or repaired according to local building codes. - Inflation guard: This automatically adjusts your coverage each year to compensate for increases in construction and labor [costs in your area due to inflation](https://www.policygenius.com/homeowners-insurance/what-is-inflation-guard-coverage/). - Scheduled personal property: This [increases coverage limits on high-value items](https://www.policygenius.com/homeowners-insurance/scheduled-personal-property-coverage/) with lower sublimits in a standard policy, including jewelry, fine art, and firearms. - Water backup: This [covers water damage caused by backed up drains](https://www.policygenius.com/homeowners-insurance/what-is-water-backup-coverage/), septic tanks, sewer pipes, and sump pumps. - Equipment breakdown: This [covers the cost of appliance replacement](https://www.policygenius.com/homeowners-insurance/what-is-equipment-breakdown-coverage/) or repairs in the event the appliance breaks down due to mechanical or electrical failure. - Service line: This [covers service line breaks](https://www.policygenius.com/homeowners-insurance/what-is-service-line-coverage/) on your property that need to be excavated or repaired. This coverage applies to cable lines, drain pipes, Internet lines, power lines, sewer lines, and more. Learn more >> [13 home insurance policy endorsements](https://www.policygenius.com/homeowners-insurance/homeowners-insurance-policy-endorsements/) Ready to shop home insurance? Start calculator ## How does homeowners insurance work? To keep your homeowners insurance coverage active and ensure your house stays protected, you [pay a premium](https://www.policygenius.com/homeowners-insurance/homeowners-insurance-premiums/) to your insurance company. In the unfortunate event that you need to use this coverage, you’ll first have to report the claim to your insurer and provide evidence of the damage or loss, after which point your insurer will review the claim and reimburse you for it. Your claim payment amount will depend on your coverage limits, how much evidence you were able to provide for the loss, your out-of-pocket deductible amount, and the loss settlement provision (aka coverage level) that the insurer uses to calculate how much it pays out. Here’s a look at how each coverage level works, which part of your policy it applies to, and how it factors in to the insurance claim process. | Coverage level | How does it work? | Which coverage is it for? | | --- | --- | --- | | [Actual cash value](https://www.policygenius.com/homeowners-insurance/actual-cash-value-vs-replacement-cost/) | Subtracts depreciation from your claim payout | Personal property\* | | [Replacement cost value](https://www.policygenius.com/homeowners-insurance/how-to-estimate-home-insurance-replacement-cost/) | Covers the value of damaged or stolen property without subtracting depreciation from your payout | Dwelling, other structures, and personal property | | [Extended replacement cost](https://www.policygenius.com/homeowners-insurance/what-is-extended-replacement-cost/) | Increases your dwelling coverage limit a specified percentage (usually 25% or 50%) if your home is damaged and your dwelling limit isn't high enough | Dwelling and other structures | | [Guaranteed replacement cost](https://www.policygenius.com/homeowners-insurance/guaranteed-replacement-cost/) | Reimburses you for a full rebuild — regardless of how much it costs | Dwelling and other structures | \\* Most standard home insurance policies come with actual cash value personal property coverage and replacement cost dwelling coverage. But depending on your insurer and what they offer, you may be able to upgrade to the next level of coverage for an additional fee. ### Homeowners insurance deductibles Your [home insurance deductible](https://www.policygenius.com/homeowners-insurance/what-is-a-homeowners-insurance-deductible/) is the amount you're responsible for paying out of pocket before your insurance kicks in to cover the rest of your claim. There are generally two types of deductibles: - Dollar amount deductibles: This is a flat dollar amount that you’ll pay on most types of claims. While the standard dollar amount deductible is typically $500 or $1,000, some insurers also offer high deductible policy options. - Percentage deductibles: This deductible represents a percentage (like 1% or 3%) of your home’s insured value (aka your dwelling coverage limit). These deductibles typically apply to wind damage claims, and are generally offered in states where tornado and hurricane disasters are common. Before sending you your claim reimbursement, your insurer will subtract the deductible amount from the loss or damage amount. For example, if your deductible is $1,000 and your house suffers $20,000 in damages, your insurer would subtract $1,000 from that amount before paying you the remaining $19,000 for repairs. While choosing a high deductible can lower your homeowners insurance premium, you'll have to pay more out of pocket when you file a claim. If you have a low deductible, you’ll pay higher premiums but lower out of pocket costs when you make a claim. ## How to find out how much coverage you need In recent years, high inflation and increased construction costs have have left many [homeowners without enough coverage](https://www.policygenius.com/homeowners-insurance/underinsured-home-insurance/) to fully rebuild their homes and replace their belongings after a disaster. Follow these steps to estimate how much coverage you need for each of the six different sections of your home insurance policy. Home ### Dwelling coverage Multiply the square footage of your home by the average cost per square foot to build in your area More ### Other structures coverage Multiply the square footage of the other structures on your property by the average cost per square foot to build in your area Renters ### Personal property coverage Make a [home inventory](https://www.policygenius.com/homeowners-insurance/how-to-create-a-home-inventory/) of all of your personal belongings Save ### Loss of use coverage Add up how much you spend on living expenses like food, rent, and gas in a typical month Disability ### Personal liability coverage Add up all of your assets — including your home, belongings, cars, investments, retirement funds, and savings Health ### Medical payments coverage [Increase limits if you own a pool](https://www.policygenius.com/homeowners-insurance/does-having-a-pool-affect-your-homeowners-insurance/), dog, or [trampoline that put your guests at greater risk](https://www.policygenius.com/homeowners-insurance/does-having-a-trampoline-affect-your-homeowners-insurance/) of injury Most home insurance companies will help you estimate how much coverage you need for each by answering a few questions about yourself and your home. Our team of licensed insurance experts at Policygenius can also help you review your coverage limits to ensure everything you care about is fully protected. Learn more >> [How much home insurance do I need?](https://www.policygenius.com/homeowners-insurance/how-much-homeowners-insurance-do-i-need/) Ready to shop home insurance? Start calculator ### Frequently asked questions What is homeowners insurance? Homeowners insurance is a type of financial protection that covers your home, possessions, and total assets from unexpected disasters or accidents. In addition to paying for damage or loss to your physical property, homeowners insurance can also cover the cost of medical bills and expensive lawsuits in the event you’re legally responsible for injuring someone or damaging their property. Is homeowners insurance required? Although homeowners insurance is not required by law, most lenders require proof of homeowners insurance before extending you a loan. To give yourself time to compare rates and coverage options, start shopping around for home insurance at least three weeks before your closing date. Does home insurance cover mold removal? Home insurance may cover mold removal if the underlying cause of the mold is sudden and unexpected, like if a pipe suddenly bursts or the mold growth was hidden away in your walls and not obvious. Otherwise, it likely won't be covered. Does homeowners insurance give you both property and liability protection? Yes, a standard homeowners insurance policy includes protection for both property damage and personal liability. That means if your home or belongings are damaged by a covereed loss, home insurance can help cover the cost of repairs. And if you're found legally responsible for someone else's injury or damage to their property, your personal liability coverage can help cover the cost of medical expenses or legal fees if you're taken to court over the matter. Does homeowners insurance cover foundation issues? Most homeowners insurance companies will cover the cost to [repair or replace your foundation](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-foundation-repair/) if the cause of damage is covered by your policy. Unfortunately, damage from the settling and shrinking of your home’s foundation, as well as earthquakes and pests are not covered by most homeowners insurance companies. You’ll need to purchase additional coverage to protect your home and property from these hazards. What type of water damage is covered by homeowners insurance? Water damage from [burst pipes](https://www.policygenius.com/homeowners-insurance/does-homeowners-insurance-cover-plumbing/) and rain or snow are covered by most homeowners insurance companies. Water damage from outside flooding and sewer backups are not covered, but you can buy separate flood insurance or add [water backup coverage](https://www.policygenius.com/homeowners-insurance/what-is-water-backup-coverage/) as an endorsement to make sure you’re fully protected. ## Join our millions of happy shoppers Policygenius has near-perfect ratings on Trustpilot and Google. Here's what our customers are saying. **Amazingly easy process** I had a very good experience using Policygenius. They did most \[of\] the heavy lifting and made everything super easy. They sent me timely reminders which were helpful. I would 100% recommend using them. **Rahul,** December 14th **Policygenius made the process easy!** Policygenius made the process easy to navigate. The representatives were helpful and attentive to my questions. They were persistent in trying to help me find the best insurance for my current life goals. Once they connected me with insurance agents, the application process was relatively quick and, again, easy to navigate. I'd recommend them to anyone! **Kimberly,** February 2nd **This was an easy and simple process** This was an easy and simple process. It was not stressful at all. All of my questions were answered. I felt seen and listened to throughout the process. If you are on the fence don’t be you will not regret the decision to use this service. **Karen,** April 13th **Knowledgeable, Responsive and Courteous** The team quickly assessed my needs, they were knowledgeable of the products, and articulated a recommendation that was the best fit. The application process was simple, and they were available at each stage of the process to ensure the application was moving along. A great experience! **Mark,** April 17th Rated **4.7** / 5 based on [5775 reviews](https://www.trustpilot.com/review/policygenius.com). See all reviews at Ready to shop for home insurance? Find the insurance you need and save by shopping from the most trusted insurers. Get quotes References Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of our [editorial standards.](https://www.policygenius.com/about/editorial-standards/) 1. Insurance Information Institute . " [What is covered by standard homeowners insurance?](https://www.iii.org/article/what-covered-standard-homeowners-policy) ." Accessed May 24, 2022. 2. Insurance Information Institute . " [Facts + Statistics: Homeowners and renters insurance](https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance) ." Accessed May 24, 2022. Authors \\ \\ [Pat Howard](https://www.policygenius.com/author/pat-howard/) Managing Editor & Licensed Home Insurance Expert Pat Howard is a licensed insurance expert and former managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University. \\ \\ [Jennifer Gimbel](https://www.policygenius.com/author/jennifer-gimbel/) Senior Managing Editor & Home Insurance Expert Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com. Expert reviewer \\ \\ [Fabio Faschi, PLCS, SBCS, CLCS](https://www.policygenius.com/author/fabio-faschi/) Licensed Property & Casualty Insurance Expert Fabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker. Questions about this page? Email us at [editorial@policygenius.com](mailto:editorial@policygenius.com).