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What is homeowners insurance?
Homeowners insurance protects you, your home, and your guests. The typical policy covers you in case of damage to your home or property, injury to your guests, or accidents for which you may be held liable, such as injuring another person or damaging their property. Homeowners insurance also covers your furniture, clothing, appliances, and other things you keep inside your home. Most companies will offer an increase in limits for valuables like art, jewelry, or collectibles.

The majority of homeowners insurance policies do not cover damage caused by earthquake or flood, so if you live in areas prone to these risks, you should consider purchasing separate flood or earthquake policies.

What's insured?
A standard homeowners insurance policy protects your home and other structures on your property— such as a garage or tool shed— against loss from many things, including, but not limited to:

Fire or lightning Windstorm or hail Smoke Vandalism or theft Weight of ice, snow, or sleet Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance

Freezing of a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, subject to certain conditions and restrictions Accidental injury to someone or damage to their property while they are on your property Personal possessions like art and jewelry, subject to certain limitations

Please note that this is a summary of typical coverages and does not represent actual coverage provided in all circumstances and states. Read the terms of your policy carefully to learn what coverages are provided under your insurance policy.

Contact the Esurance Homeowners Insurance Program.

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*The Esurance Homeowners Insurance Program is offered through Answer Financial Inc. Insurance policies purchased through the Program are underwritten by one or more of the Safeco Insurance Companies. Coverages, discounts, and billing options are subject to state availability, individual qualification, and/or the insuring company's underwriting guidelines. The above rating is for the Safeco Insurance Companies and is accurate only as of April 9, 2009, and may be changed, superseded or withdrawn by the rating agency at any time. Non-Program homeowners and condominium policies that are underwritten by various companies offered through Answer Financial are also available. Homeowners and condominium insurance claims are processed by the underwriting company. Esurance does not provide underwriting or customer service or pay claims for any Program or Non-Program policies.

Answer Financial Inc. offers insurance products and services through its licensed affiliates Insurance Answer Center, LLC (California License #0B99714), in New York as Insurance Answer Center, LLC, an Insurance Agency, in Michigan as Insurance Answer Center, LLC, an Insurance Agency, and in Missouri also as Answer Financial Inc.