Dwelling
The structure itself — walls, roof, floors and attached fixtures — repaired or rebuilt after a covered loss.
Availability varies by area
Home insurance that fits your house, priced by a real person.
Enter your ZIP code and phone number to check for an available advisor line. If matched, you can call to discuss homeowners coverage options. No obligation.
- Licensed agents
- No obligation
- Free quote
By calling, you may be connected with a licensed insurance agent or one of our marketing partners. Calls may be recorded or monitored for quality. No purchase necessary. HearthGuard Home Insurance is an insurance referral and marketing service, not an insurer.
What a homeowners policy usually covers
Every carrier words things differently. Here is the shape of a standard policy, and the add-ons homeowners ask about most. Your agent will confirm what applies in your state.
Personal property
Furniture, electronics, clothing and everyday belongings, on or away from the property, up to your limits.
Personal liability
Legal costs and covered damages if someone is injured on your property or you damage someone else's.
Loss of use
Help with hotel, meals and extra living costs while a covered loss makes your home unlivable.
Common add-ons worth asking about
- Flood
Flood damage is excluded from standard policies and needs its own coverage.
- Water backup
Sump pump failure and sewer backup, a frequent and expensive claim.
- Scheduled valuables
Jewelry, art and collectibles above the standard sub-limits.
- Home systems
HVAC, water heater and appliance breakdown from mechanical failure.
Coverage descriptions are general summaries for information only. Actual terms, limits and exclusions are governed by the policy a carrier issues to you.
Three steps, one phone call
Enter your ZIP code and phone number first. If an advisor line is available, you can call and decide what to do next.
01Call the number
Enter your ZIP code and phone number to check availability. If matched, call the advisor line and tell the agent about your home.
02Speak with a licensed agent
The agent reviews options from the carriers available in your state and answers questions about limits, deductibles and discounts.
03Compare and choose
You see the differences side by side. If nothing fits, you walk away — there is never an obligation to buy.
By calling, you may be connected with a licensed insurance agent or one of our marketing partners. Calls may be recorded or monitored for quality. No purchase necessary.
Why homeowners pick up the phone
Bundling that adds up
Most carriers discount home and auto together. An agent can price the pair instead of one at a time.
Local availability
Options depend on your area and whether an advisor line is available when you check.
Start with two details
Enter your ZIP code and phone number to find out whether an advisor line is available.
Plain-English answers
Replacement cost versus actual cash value, wind deductibles, roof schedules — explained before you commit.
Discounts and savings vary by state, carrier and property and are not guaranteed.
Questions homeowners ask
Talk to a licensed agent today
Have your address and your current policy handy if you have one. That is all it takes to get started.
By calling, you may be connected with a licensed insurance agent or one of our marketing partners. Calls may be recorded or monitored for quality. No purchase necessary. We are an insurance marketing service, not an insurer, and we do not guarantee coverage, rates or savings. See our Privacy Policy, Terms of Use and Do Not Call policy.