Homeowners
Your house, belongings and liability, plus living costs if you must move out during repairs.
Best for · Primary homes
Home insurance
Insure your home for what it costs to rebuild.
Houses, condos, rentals and valuables — covered at full replacement cost.
High-value homesJewelry, art & wineFlood & earthquake options
Coverage options
Coverage for the way you live.
Free quote · No obligation
Home insurance quote
About 3 minutes. Estimates are fine.
Step 1 of 4 · The home
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Back to homeHow much home insurance do I need?
Enough to rebuild your home at today’s costs — not its market value or purchase price. Valuables like jewelry and art should be listed separately for full value.
What does home insurance cover?
Your house, other structures, belongings, extra living costs during repairs, and liability if someone is hurt on your property. Flood and earthquake need separate policies.
Are my jewelry and watches fully covered?
Usually not. Standard policies cap jewelry theft at a few thousand dollars. Listing items separately covers their full appraised value.
Does a rental or vacation home need different insurance?
Yes. Second homes, long-term rentals and Airbnb-style rentals each need a different policy. The wrong one can lead to a denied claim.