Find a policy that fits your coverage needs, your budget and your home loan requirements.
Homeowners Insurance protects your home and property in the case of a covered event, such as fire, falling object, theft or vandalism. Finding the right policy means restoring your life and your home after an unforeseen disaster.
Guaranteed Rate Insurance works with the country’s top home insurers. Our expert agents compare multiple policy options to find you great coverage at competitive rates. Long after closing, your agent is on call to help with claims, additional coverage or whatever changes life brings.
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Home Insurance Basics
Protects your house in the event of fire, vandalism or another unexpected event
Your garage, fence, and other structures on your property are covered and protected from wind, hail and other damage
Belongings, like furniture or clothes, can be replaced if stolen or destroyed
Your temporary living costs, like food and hotels, are covered while your home is being restored
If someone is injured or if property is damaged, your assets are protected from any lawsuits
Additional Coverage Options
Extended or Guaranteed Replacement
If rebuilding after a loss may exceed the estimated value or your home, consider additional coverage. An Extended Replacement endorsement will cover up to 25% more than the estimated value and Guaranteed Replacement goes even further to put your place back the way it was.
Service Line Coverage
The homeowner is typically responsible in the event of damage to utility lines entering your home. Coverage for Service Lines will help to pay for repairs to sewer lines, power lines and more.
Water Backup Coverage
Due to aging sewer systems and new home construction, unexpected drain backups are increasingly common. A Water Backup add-on provides coverage for damage to your walls, floors and more.
Save By Bundling
Save even more with a multi-policy discount when combining auto, home, renters and condo insurance.