Home Insurance
Home insurance, also known as homeowners insurance, is designed to help protect your home, personal belongings, and certain liability exposures related to covered events. GetMyPolicy.app connects you with licensed insurance agents who can help you explore home insurance options from participating companies.
A home can be one of your most important investments. Home insurance policies typically include coverage for the structure of your home, many personal belongings, and certain types of liability, subject to policy terms, limits, and exclusions.
Coverage details and options vary by policy and by company. A licensed insurance agent can help you review available options so you can better understand what may be covered and where there may be limitations.
Common types of home insurance coverage
- Dwelling coverage: May help pay to repair or rebuild the structure of your home if it is damaged by a covered cause of loss, subject to policy terms and limits.
- Other structures coverage: May help protect detached structures on your property, such as a detached garage or shed, where covered.
- Personal property coverage: May help protect belongings such as furniture, electronics, clothing, and other items, up to policy limits and subject to specific terms and sub-limits.
- Loss of use / additional living expenses: May help with certain additional living costs if you are unable to live in your home after a covered loss, subject to policy limits.
- Personal liability coverage: May help protect you if a covered claim is made against you for certain types of bodily injury or property damage to others, up to policy limits.
- Medical payments to others: May help pay certain medical expenses for guests who are injured on your property, subject to policy terms and limits.
Factors that may affect home insurance costs
- The location of your home, including proximity to certain risks such as fire, wind, or theft, where applicable.
- The age and construction of your home, including roof type, building materials, and updates.
- Selected coverage types, policy limits, and deductibles.
- The presence of safety features such as smoke detectors, security systems, or certain protective devices, where recognized by insurers.
- Claims history and other rating factors allowed by insurers and state regulations.
- Whether you bundle home insurance with other policies, such as auto insurance, where available.
How GetMyPolicy.app can help
If you share your information on this website, a licensed insurance agent may contact you to discuss home insurance options offered by participating companies. They can:
- Review the coverage types available and explain how they may apply to your situation.
- Discuss policy limits, deductibles, and optional coverages you may want to consider.
- Help you compare home insurance options from participating companies.
- Answer questions about policy terms, exclusions, and special limits.
Examples of home coverage considerations
Your home, belongings, and circumstances are unique. Below are examples of topics you may wish to discuss with a licensed insurance agent when reviewing home insurance options.
The coverage amount chosen for your dwelling is typically based on what it may cost to rebuild your home, not necessarily its market value. A licensed insurance agent can discuss how dwelling coverage limits are determined by participating companies.
Some policies may offer replacement cost coverage for certain structures or belongings, while others may use actual cash value, which factors in depreciation. Coverage types and availability vary by company and policy.
Deductibles represent the amount you may pay out of pocket for certain covered losses before your coverage begins to pay. Some areas may have separate deductibles for wind or hail events, where applicable.
Many home insurance policies include special limits for certain categories of property, such as jewelry, artwork, or collectibles. You may want to ask about scheduling items separately or adding endorsements.
Liability and medical payments coverages can help with certain covered claims involving guests or others injured on your property, subject to policy terms. Coverage availability and limits vary by policy.
Standard home insurance policies generally do not cover flood or earthquake damage. Separate policies or endorsements may be available, depending on your location and the participating companies.
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