Homeowners
Homeowners provides coverage for full-time and seasonal homes that need an alternative to HO-3 coverage due to value, age, or claim history. This program provides a viable solution for a wide range of customers.
What’s eligible Occupancy type
  • Single or two-family
  • No age restriction
  • Fair condition and better
  • Owner
  • Seasonal
What’s eligible Occupancy type
  • Single or two-family
  • No age restriction
  • Fair condition and better
  • Owner
  • Seasonal
What’s eligible
  • Single or two-family
  • No age restriction
  • Fair condition and better
Occupancy type
  • Owner
  • Seasonal
Included coverage
  • Named peril
  • Liability - $25,000 to $500,000
  • Personal property - 40% Coverage A
  • Other structures - 10% Coverage A
  • Reasonable repairs
  • Debris removal
  • Loss of use - 10% Coverage A
Included coverage
  • Named peril
  • Liability - $25,000 to $500,000
  • Personal property - 40% Coverage A
  • Other structures - 10% Coverage A
  • Reasonable repairs
  • Debris removal
  • Loss of use - 10% Coverage A
Included coverage
  • Named peril
  • Liability - $25,000 to $500,000
  • Personal property - 40% Coverage A
  • Other structures - 10% Coverage A
  • Reasonable repairs
  • Debris removal
  • Loss of use - 10% Coverage A
Important options
  • Enhanced coverage
  • Scheduled personal property
  • Home equipment breakdown protection
  • Water damage
  • Ordinance or law - 10% Coverage A
Important options
  • Enhanced coverage
  • Scheduled personal property
  • Home equipment breakdown protection
  • Water damage
  • Ordinance or law - 10% Coverage A
Important options
  • Enhanced coverage
  • Scheduled personal property
  • Home equipment breakdown protection
  • Water damage
  • Ordinance or law - 10% Coverage A
Frequently Asked Questions
Other solutions to consider

If a home is vacant, it can be placed in our Dwelling Basic program.

Passionate boat owners take care of their vessels, so they’ll be looking for more than just the minimum coverage. Our Boat program offers bow-to-stern protection. 

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.

Other solutions to consider

If a home is vacant, it can be placed in our Dwelling Basic program.

Passionate boat owners take care of their vessels, so they’ll be looking for more than just the minimum coverage. Our Boat program offers bow-to-stern protection. 

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.

Other solutions to consider

If a home is vacant, it can be placed in our Dwelling Basic program.

Passionate boat owners take care of their vessels, so they’ll be looking for more than just the minimum coverage. Our Boat program offers bow-to-stern protection. 

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.