Plans Written Around the Way a Home Gets Lived In

A standard plan covers the physical structure of the home, personal belongings inside, and personal liability. Coverage details vary by plan tier, and each policy document spells out inclusions and exclusions in plain language before any commitment is made.

The Rental Owner Plan is designed specifically for landlords and investment properties. It covers the structure, landlord liability, and optional tenant damage protection. Owner-occupied properties qualify for the Everyday Home Plan or Complete Homeowner plan instead.

Wind, fire, and certain storm damage are typically covered under all plans. Flooding and earthquakes are treated as separate perils and may require additional endorsements. The policy document provided before enrollment outlines exactly which events are included.

Claims are assigned to a dedicated specialist from the first notice through to final settlement. Policyholders receive clear guidance and regular updates at each stage so there are no gaps in communication while a claim is being processed.

Coverage limits and optional add ons can be reviewed at renewal. Significant changes to the property, such as renovations or additions, should be reported promptly so the policy accurately reflects the current value and risk profile of the home.

Basic property details are sufficient to start: the address, type of home, approximate size, and intended use. No inspection or lengthy documentation is required at the inquiry stage. A specialist reviews the submission and follows up with matching plan options.