Protection to cover your home
Depending on where you live, homeowners insurance policies will typically help pay to repair damage caused by certain risks or perils. Take a closer look at what coverages are available in your state by selecting from the table below.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington DC
- West Virginia
- Wisconsin
- Wyoming
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Standard types of homeowners insurance coverage
Again, depending on where you live, a typical homeowners policy may have the following coverages with varying deductibles and limits:
- Dwelling coverage. Protects the structure of your house, such as the roof and walls
- Personal property coverage. Protects what's inside your home, like furniture, even if it's damaged or stolen outside the house
- Other structures. Protects the physical structure of buildings on your property separate from your home, such as a detached garage
- Liability protection. Defends and protects you if a person sues you after being injured on your property or after you damage their property
- Guest medical protection. Pays medical expenses for someone who's injured on your property
- Additional living expenses protection. Covers increased expenses if your home is uninhabitable after a covered loss