Protect what matters most. Your home, your belongings, and your financial security deserve coverage designed around your needs.
Home Owners Insurance can help protect your home and personal belongings against certain covered losses. Coverage can also include liability protection and other policy features, depending on the policy you choose.
Protects Your Home
Liability Protection
Financial Security
Help in Unexpected Events
Peace of Mind
Protects Your Belongings
Home Owners Insurance is designed to help protect your home, personal belongings, and financial interests from certain covered events. Depending on the policy, it may also provide personal liability protection and help with additional living expenses after a covered loss.
Coverage, limits, deductibles, exclusions, and eligibility vary by policy and provider. Review the policy documents carefully to understand what is and is not covered.
Helps repair or rebuild your home when it is damaged by a covered event, subject to policy terms.
May help replace or repair eligible personal property after a covered loss, subject to limits and exclusions.
May help protect you when you are legally responsible for certain covered bodily injury or property damage involving another person.
Can help reduce the financial impact of certain unexpected covered losses.
Provides policy-based protection for covered situations, with specific coverage determined by the policy.
Gives homeowners a structured way to manage selected property and liability risks.
Helps protect the structure of the home against covered losses.
May cover eligible furniture, clothing, electronics, and other belongings, subject to policy terms and limits.
May apply when you are legally responsible for certain covered injury or property damage claims involving others.
May help with eligible extra living costs when a covered loss makes the home temporarily uninhabitable.
May help with certain medical expenses for a guest injured on the property, subject to policy terms.
May help protect eligible structures on the property, such as a detached garage or shed.
Do not state that flood or earthquake damage is universally included. Where relevant, explain that separate coverage or endorsements may be needed.
New to homeownership and evaluating protection for the property and belongings.
Reviewing current coverage as needs, property features, or household circumstances change.
Evaluating coverage for a recently purchased property.
Protecting a household's home, belongings, and potential liability exposures.
Exploring coverage for a second or seasonal residence, where eligible.
Reviewing limits and additional coverage options for higher-value possessions.
Watch this short educational video to learn how Home Owners Insurance works, what common coverage categories mean, and what to consider when reviewing a policy.
Home Owners Insurance is designed to help protect your home, personal belongings, and financial interests against certain covered losses. Depending on the policy, it may also include personal liability protection and additional living expense coverage after a covered loss.
Common coverage categories can include dwelling, personal property, personal liability, additional living expenses, guest medical payments, and other structures. Coverage varies by policy, so limits, exclusions, deductibles, and conditions should be reviewed carefully.
Requirements depend on your circumstances and location. A mortgage lender may require homeowners insurance as a condition of the loan, while other situations may have different requirements. Check your lender's requirements and applicable rules.
Many homeowners policies include personal property coverage for eligible belongings, subject to limits, exclusions, and other policy conditions. Higher-value items may have special limits or may require additional coverage.
Not necessarily. Flood and earthquake damage may be excluded from a standard homeowners policy and may require separate insurance or an endorsement, depending on the situation and available products. Review the policy terms for your property.
Personal liability coverage may help protect you when you are legally responsible for certain covered bodily injury or property damage involving another person. Coverage is subject to policy limits, exclusions, conditions, and applicable law.
Factors can include location, property characteristics, replacement-cost considerations, coverage limits, deductible, claims history, property features, and underwriting factors. The actual premium depends on the insurer, policy, property, and individual circumstances.
OLPolicy can help you explore homeowners insurance options based on your property, coverage needs, and circumstances. Availability, eligibility, pricing, limits, and policy terms vary, so review the final policy documents before making a decision.
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