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Homeowner Coverages

Get the best coverage for you house, belongings, and lifestyle




Customizable Coverages for Homeowners


You need home insurance with contemporary coverage features to protect against expenses caused by current economic and environmental challenges. That means considering coverage with rare, hard-to-find features such as uncapped limits if you have to rebuild your home after a covered loss.

Our flexible suite of home insurance includes tailor-able options for starter homes, larger properties, and estates. Coverages are also available for landlords, short- and long-term rental properties, and seasonal homes.

I have been a customer for over 20 years and have been extremely happy with the service, timeliness and handling of claims, both under the home and auto insurance. – M.G., Ballston Spa, NY

Explore These Customizable Options

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Homeowners Plus

Includes coverage for 2 key claim payment types, 6 more causes of loss, and 6 higher limits than standard homeowners policies.

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Premier Choice

Builds on Homeowners Plus with 11 more coverages – including two important liability coverages – 19 higher coverage limits.

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Signature Choice

An excellent choice for high-value homes – it includes extensive special features, additional coverages, and high coverage limits.

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Landlords & Rentals

Coverage for landlords, short- and long-term rentals, rental income, and liability exposures

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Seasonal Homes

Coverage for properties that are only occasionally occupied or are in hard-to-insure locations

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Flood Coverage

Steps in to cover loss caused by flash floods and tidal flooding – something most homeowner policies don’t.

Take the Risk Coach™ Approach

A 2022 survey found that 96% of survey respondents misunderstood at least one important feature of their coverage. More than half misunderstood several. We want better than that for our clients. When you work with our Risk Coaches, you’ll work with a licensed insurance professional who’ll help you get the right coverage at the best price.


Product, service, program, credit, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services, or coverage. Policy provisions, exclusions, conditions, and terms apply. For more information, please contact Electric Insurance Company at 800.342.5342. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.
Alabama residents, review the Alabama Homeowners Bill of Rights.
Coverage for rental, seasonal and vacation properties, log cabins, antique homes, and other specialty properties are underwritten through independent insurance carriers and are placed through Electric Insurance Agency, LLC.