Homeowners Insurance Coverage

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

ZIP code is required and must be 5-digits

Quotes are not available for risks located in AK, FL, HI and LA

Travel protection is offered by our trusted partner, Travel Insured International, through InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

Pet insurance is offered by our trusted partner, PTZ Insurance Agency, Ltd through its ASPCA® Pet Health Insurance program via InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

ZIP Code is required and must be 5-digits

Motorcycle insurance is offered by our trusted partner, Dairyland®, through InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

Flood insurance is offered by our trusted partner, Neptune Flood, through InsuraMatch, LLC, a Travelers-owned insurance agency.

InsuraMatch

InsuraMatch is a Travelers-owned insurance agency that sells insurance policies for various insurance companies. It receives commissions on the insurance policies it sells from these insurers and may receive other performance, profitability or volume-based compensation from the insurers. This compensation may vary by insurance company. For more information please visit InsuraMatch.

What does homeowners insurance cover?

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. It can also provide help to cover the costs of liability exposures if, for example, someone is injured on your property.

What can h omeowners i nsurance 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.  

Typically, damage caused by floods and earthquakes is not covered by basic homeowners insurance policies. Optional homeowners insurance coverages and policies may be available to cover damage due to these additional threats. Your insurance professional can help determine what coverage may be best for your specific needs.  

Covered incident examples  

Fire  

Windstorms  

Hail  

Lightning  

Vandalism  

Theft  

Weight of ice, snow or sleet  

Freezing of plumbing, heating, air conditioning or other household systems  

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 insure your home and assets.

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.

Personal property coverage

Personal property coverage can pay you for the personal items in your home that may be damaged or destroyed by a covered cause of loss. These personal items could include your furniture, clothes, sporting goods and electronics.

Personal liability coverage

Liability coverage can help protect you in the event of a claim. If you or a family member in your household is responsible for causing bodily injury or property damage to others, this coverage can provide a defense in the event of a lawsuit.

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.

Other structures coverage

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

Home i nsurance d eductibles and l imits  

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 are prepared to pay should you have a covered claim.  

Your home insurance coverage limit s are the dollar amount of homeowners insurance coverage you buy . The limit s of coverage start with your dwelling coverage , then t he limits of coverage for other coverages in your homeowners policy are typically calculated as percentages of the dollar amount of your dwelling coverage limit.  

More about deductibles and limits 

Home insurance overview

Gain an understanding of homeowners insurance and learn about protecting your home.

Ways to save

Find savings options you may qualify for with Travelers home insurance.

FAQs

Got questions? We have the answers.

Additional homeowners insurance coverages

The following coverages can typically be added to a primary homeowners policy. Work with your insurance representative to customize a 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

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

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

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 damage 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

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

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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.

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. Home Insurance is underwritten by Travelers Personal Insurance Company, One Tower Square, Hartford, CT 06183. 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. 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.

Pet Insurance, Motorcycle Insurance, Flood 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, flood coverage and travel coverage. For more information about the underwriting entities click “Learn More” to be directed to the specific product page.