ELECTRIC INSURANCE
Homeowner Coverages
Get the best coverage for you house, belongings, and lifestyle
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Retrieve a QuoteCustomizable 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 tailorable 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
Homeowners Plus
Includes coverage for 2 key claim payment types, 6 more causes of loss, and 6 higher limits than standard homeowners policies.
Premier Choice
Builds on Homeowners Plus with 11 more coverages – including two important liability coverages – 19 higher coverage limits.
Signature Choice
An excellent choice for high-value homes – it includes extensive special features, additional coverages, and high coverage limits.
Landlords & Rentals
Coverage for landlords, short- and long-term rentals, rental income, and liability exposures
Seasonal Homes
Coverage for properties that are only occasionally occupied or are in hard-to-insure locations
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.
Call or use Chat to Contact a Risk Coach
Use the chat feature on this page, or call us for a no-cost, no-obligation-to-buy, coverage needs assessment. Our Risk Coaches are glad to help you navigate the complex world of homeowners insurance coverage. Call us at 800.342.5342 Monday through Friday, from 8:00 a.m. to 8:00 p.m. ET.
