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husband and wife watching kids play in the yard of their home in Indianapolis, IN and Chicago, IL

Need home insurance?

See below to better understand what your coverages mean and what all the different factors are that help determine your rate.

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Understand Your Coverages
  • Dwelling - covers you up to the amount it would cost to rebuild your house due to a total loss, determined by a rebuilding cost guide using your answers to the home characteristics to the right in the rating variables section

  • Other structures - includes coverage for anything detached from the main structure of your house such as a garage, shed, fence, etc.

  • Personal Property - covers your stuff up to the limit on your policy including things like furniture, technology, kitchenware, etc.

  • Loss of use / additional living expenses - this is the limit of expenses paid to you in a situation where you are not able live in your house due to something like a fire

  • Personal liability - covers you on AND off your premises for anything you would be liable for

  • Medical payments - serves as a goodwill keeper, covers immediate medical expenses in a situation where you are liable such as an ambulance ride to the hospital

  • Optional coverages

    • Replacement cost on roof​ - means you would get a new roof for your old roof given the coverage hasn't expired (usually expires for roofs older than 15-25 years, depends on the company)

    • Replacement cost on personal property / contents - means you would get new stuff for your old stuff in a situation where your stuff is destroyed by a covered peril

    • Sewer & water backup for building & contents - this covers you in a situation where your house or stuff is damaged by sewer and water backup

    • Extended dwelling coverage - extends the amount of your coverage on your dwelling by desired amount, usually 25%

    • Matching undamaged siding, roofing, windows - ensures that in cases where parts of your siding, roof or windows are damaged and they are not able to match it to the original siding, roof or windows that is undamaged, they will replace it all with new stuff up to the limit on your policy

    • Valuable articles - covers items such as jewelry, hearing aids or anything of value to you for different kinds of losses such as losing your item

Rating Variables
  • Age

  • Marital status - single, married, divorced, widowed

  • Credit - ability to make payments

  • Location - where you live within the state

  • Insurance history - claims and tenure with prior carrier

  • Policy details - coverages, limits, deductibles

  • Home characteristics

    • Year built

    • Construction style - 1 or 2 story, ranch, bi-level or tri-level, mobile home

    • Roof - year replaced, type of shingles

    • Exterior walls - brick, frame (vinyl, aluminum, composition, etc.), stone, wood

    • Foundation type - slab, crawl space, basement

      • Basement - sump pump present, battery backup​

    • Bathrooms - # of full and half baths, quality

    • Protection class - distance to nearest fire department and fire hydrant

    • Square foot - total living space (excl. the basement)

    • Attached structures - garage, porch, deck, patio

    • Kitchen - quality

    • Fireplace - gas or wood burning

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