what homeowners insurance covers

It's our job to ask "what if." Here are a few ways we can help you out of a jam.

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Fix damage to your home

If a storm or vandal hits your home, homeowners coverage kicks in to pay for repairs.

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Cover medical and legal bills

When injuries happen on your property, you're on the hook. We help you foot the bill.

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Replace stolen property

If a thief takes your 4K TV (or even your laptop from your car), we can help you replace it.

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Pay temporary living expenses

If you need to temporarily leave your home because of a covered loss, we help with relocation and living expenses.


so many ways to save

We think responsible homeowners deserve to save on insurance. Here are a few discounts you might qualify for.

Hail Resistant Roof discount

A solid roof can cut down your bills — in more ways than one. See if it's available in your state.

Home Safety Features discount

From an alarm system to sturdy locks, we reward you for protecting what's yours. See if it's available in your state.

Preferred Buyer discount

Pay your bills on time. Save money. It's that simple. See if it's available in your state.

See more discounts

there when you need us

manage your policy

Manage your policy anywhere, anytime

claim service

Click or call for 24/7 claim service


Backed by Allstate

homeowners insurance made easy

We work hard to make your life easier. Here are a few ways Esurance technology makes insurance a snap.

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DIY home Inspection App

Save $50 in as little as 25 minutes with our simple app.*

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Online policy management

Pay your bill, view your coverages, and more — all conveniently online.

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Bundle home + auto to save big

Save time and money (up to 10%!) by bundling your policies.

wonder if you could be saving on homeowners insurance?

View a saved quote

Or speak with a licensed agent at 1-866-439-5633

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frequently asked questions

Why do I need homeowners insurance?

A homeowners insurance policy provides a financial safety net in the event your home or belongings are damaged. It usually covers other structures on your property (tool sheds, garages, gazebos), as well as medical or legal expenses if you or someone on your policy (a family member, for instance) is held legally responsible for an injury sustained on your property. Additionally, most mortgage lenders require you to have homeowners insurance.

How much does homeowners insurance cost?

It depends. There are a few different types of homeowners insurance — from a basic policy, to those that provide a wider spectrum of coverages — and some may vary from state to state.

Get a quick estimate by checking out our Home Insurance Calculator.

What does homeowners insurance cover?

Simply put, homeowners insurance protects you from financial loss after a covered incident. This includes your home's structure and other structures on your property, your personal belongings, and your liability for others' injuries sustained on your property or that you're responsible for.

Find out more about specific coverages and protection for your home.

How can I save money on my premiums?

We work hard to offer our customers the best coverage at the best price. But we also believe that homeowners who take intiative deserve to save.

Check out the variety of homeowners insurance discounts you could score with Esurance.

Visit our Info Center.