Homeowners insurance is underwritten by Esurance in WI only.
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Protect your largest investment with reliable homeowners insurance from Esurance or through our trusted partners.
Homeowners insurance typically covers damage from fire, lightning, wind, hail, smoke, vandalism, theft, ice, snow, and sleet.
It can also cover:
- Plumbing mishaps
- Your possessions (both on and off the premises)
- Personal liability
- Replacement costs
- Medical payments
When you get your quote, you can ask an agent about these coverages. To provide a little more background, personal liability coverage can insure you up to $500,000 in case someone is hurt in your home (or you accidentally hurt someone on the golf course, for example). Off-premise coverage generally protects all of your things, including what's in your trunk, to a varying extent that depends on limits and deductibles.
If you're looking for condo insurance, visit our condo insurance page to start your free quote.
Homeowners insurance 101
Generally speaking, homeowners insurance protects you, your home, and your guests. A typical policy covers damage to your home or property as well as your liability for certain injuries.
More specifically, homeowners insurance also covers your furniture, clothing, appliances, and other things you keep inside your home. When shopping around, you'll notice that most companies offer increased limits for valuables like art, jewelry, and other collectibles.
One thing to note: The majority of homeowners insurance policies do not cover damage caused by earthquake or flood, so if you live in an area prone to these risks, you might consider buying a separate flood or earthquake policy.
If you have any questions about an existing homeowners insurance policy through Esurance, here's how you can get in touch.
*Homeowners insurance policies underwritten by Esurance are available in limited states. Coverage and discount availability may vary by state and/or individual risk situation. Homeowners insurance policies, where not underwritten by Esurance, are underwritten as follows:
Policies purchased by residents of FL are underwritten by Security First Insurance Company. Policies purchased by residents of all other states, where available, are underwritten by the Safeco Insurance companies. Homeowners insurance claims are processed and paid by the underwriting company. Esurance does not underwrite, provide customer service, or pay claims for any homeowners policies underwritten by Security First Insurance Company or Safeco Insurance companies.
This page provides a summary of typical coverages and is not meant to describe actual coverage under any individual homeowners insurance policy. Coverage for certain categories of property, like jewelry and electronics, may require that such items be specifically scheduled and subject to additional premium. Coverages, discounts, and billing options are subject to state availability, individual qualification, and/or the insuring company's underwriting guidelines. Terms, conditions, limits, and exclusions will apply. Rates are subject to change.
Answer Financial, Inc., offers, among other insurance products and services, the homeowners policies underwritten by the Safeco Insurance companies through its licensed affiliate Insurance Answer Center, LLC (California License No. OB99714), in New York as Insurance Answer Center, LLC, an Insurance Agency; in Michigan as Insurance Answer Center, LLC, an Insurance Agency; and in Missouri as Answer Financial. Esurance Insurance Services, Inc. (California License #0G87829), offers, among other insurance products and services, the homeowners policies underwritten by Security First Insurance Company.