Homeowners Coverage
Protect your home, other structures (like fences, garages, and sheds), and belongings from both everyday events and major disasters. Our homeowners policies cover all risks except those listed as exclusions, meaning you enjoy a wide range of protection for weather events, fire, theft, vandalism, and more. And when the unexpected does happen, the policy’s additional living expenses coverage can help pay for temporary housing, transportation, and more while your home is under repair.
Your loved ones are protected, too. Medical payments coverage can help pay for small medical bills when a guest is injured at your home, and your policy includes liability coverage in case a family member or pet accidentally injures someone or damages their property.
Our homeowners coverage is currently available in Alabama, California, Florida, Louisiana, Mississippi, New Jersey, New York, North Carolina, South Carolina, and Texas.
Dwelling Fire Coverage
If you don’t live at your property year round, you might need a more flexible policy to protect it. Dwelling fire coverage can be a great fit for folks who rent out homes they own or who want a policy that covers the basics.
Don’t let the name mislead you – this policy covers far more than fire damage. In fact, it protects the home and other structures on the property for all events except those the policy lists as exclusions. You can also add – or remove! – protection for your belongings, loss of rental income or loss of use, personal liability, and medical payments.
Our dwelling fire coverage is currently available in Louisiana and Texas.
Commercial Coverage
Small business owners in Louisiana, North Carolina, South Carolina, and Virginia can protect what they’ve built with our business owners policy (BOP). This staple provides general liability and business property insurance in one convenient bundle. It’s available for more than 300 business classes in the following industries: restaurants, retail, offices, service and processing, wholesale, and lessors.
Landlord Insurance
Landlord insurance is a type of commercial coverage tailored for landlords. It protects residential dwellings that are occupied by tenants and can also provide coverage for furnishings, loss of rent, other structures, and on-premises liability. In other words, it’s the go-to policy to protect investment properties against unforeseen losses.
WIND MITIGATION DISCOUNTS
In Florida, wind mitigation discounts are available based on the property’s wind-resistant features. Actual discounts will vary, but they take the following factors into consideration:
- Building code. Residential properties built in compliance with Florida Building Code 2001 or later, or South Florida Building Code 94, are more protected from the damaging effects of hurricanes and windstorms.
- Roof covering. The type of roof covering (e.g., asphalt shingles, concrete / clay tiles, metal, built-up, etc.) and the installation or replacement date impact discounts.
- Roof deck attachment. How well the roof deck is secured to the truss or rafter plays a significant role in the roof’s readiness to withstand high winds and the discount amount.
- Roof-to-wall attachment. The stronger the roof-to-wall connections, the bigger the discount. Structural connections and double wrap metal connectors are typically strongest.
- Roof geometry. The shape of the roof can also determine how well the property withstands strong winds. Hip roofs are more wind resistant.
- Secondary water resistance. Also called a sealed roof deck, this is a self-adhering underlayment beneath the roof covering that provides an extra layer of protection against water intrusion in case roof cover fails during a storm. The presence of a SWR typically factors into the discount.
- Opening protection. This considers openings with windows or glass and their impact resistance against wind-borne debris.