what does homeowners insurance cover?


Feeling overwhelmed? Homeowners insurance might just be the most complex type of coverage around. But worry not — we're here to simplify it for you. To get a better grasp of the nooks and crannies of your policy, spend a minute with our coverage overview to find out all the pieces that can fit into a homeowners plan.

Coverage protects the structure of your house as well as what's inside

how home insurance works: breaking down your coverage

Generally speaking, the main function of home insurance is similar to that of auto insurance: protect you from financial loss after a covered incident. More specifically, home insurance is typically used to safeguard the following:

  • Your home's structure and other structures on your property
  • Your personal belongings
  • Your liability for others' injuries sustained on your property or that you're otherwise responsible for

Within this framework, you also have a ton of choices. For instance, did you know you can tailor contents insurance based on category (like "sporting goods" or "silverware")? Did you know there's home coverage specifically designed for protecting your garden, or even for retrieving computer data? And that's just for starters. Get your free quote or speak with our agents to find out all the ways you can personalize your Esurance policy.

what does home insurance protect against?

A standard homeowners policy (also known as an HO-3 policy) generally protects your home and your personal property from damage caused by:

  • Fires or lightning
  • Windstorms (including hurricanes and tornadoes) or hail
  • Explosions
  • Riots or civil commotions
  • Aircrafts
  • Vehicles
  • Smoke
  • Theft or vandalism (sometimes called malicious mischief)
  • Falling objects
  • Weight of ice, snow, or sleet
  • Freezing of plumbing, heating, air conditioning, or other household systems

A standard home policy won't typically cover damage caused by floods or earthquakes. Other exclusions can include water damage, mold or fungus, vermin, and wear and tear or deterioration.

types of homeowners insurance coverage: the basics

Here's an overview of the options typically available on a base-level homeowners insurance policy.

Dwelling protection

More on dwelling protection >

Other structures protection

More on other structures protection >

Additional living expense coverage

More on additional living expense coverage >

Water backup coverage

More on water backup coverage >

Personal property insurance

More on personal property insurance >

Family liability protection

More on family liability protection >

Guest medical protection

More on guest medical protection >

Fire department charges coverage

optional protection for your home

These coverages may be available in your state but are unlikely to be included unless you add them to your policy.

Building codes coverage

More on building codes coverage >

Increased building structure coverage

Identity theft expense coverage

More on identity theft coverage >

Fair rental income protection

More on fair rental income protection >

Home day care coverage

Extended premises

the home insurance calculator from esurance

At Esurance, we know it can feel daunting to piece together a homeowners insurance policy. That's why we're always coming up with convenient online technology to help simplify the process.

When you get your free quote online, be sure to take advantage of our home insurance calculator, which estimates certain coverage limits based on the answers you provide to a few simple questions. How's that for convenience?

Wonder if you could be saving on homeowners insurance?

Get your free quote online.

Or call 1-866-439-5633.

More about homeowners insurance

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Everyone I spoke with at Esurance was excellent to work with. They were helpful and efficient every step of the way. I have recommended Esurance to a lot of people lately."

— Denise, Illinois

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