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Build Your Own Customized Home Insurance Policy

You worked hard to secure your dream of home ownership; be sure you’re getting the most protection for your investment. Customize your policy today.

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Home Insurance Coverage You Can Count On

Prepare for the unexpected by adding innovative coverages to your homeowners insurance policy. It’s one of the many ways we let you control what you pay for insurance. Consider adding these coverages.

Equipment Breakdown

Have your everyday appliances suddenly given out after years of service? Don’t fret! We’ll help pay for their replacements after your deductible is met.

Hidden Water

If a hidden pipe springs a leak and leaves your floor, wall or ceiling damaged, we've got you! We'll handle the cost of removal and repairs to those damaged areas.

Diminishing Deductible

We want to help alleviate the stress of covering upfront costs associated with claims by giving you greater control of what you pay. With this coverage, we’ll lower your deductible $100 every year — up to your policy maximum.*

Discover More Ways to Save with Discounts

We have many easy-to-add home insurance discounts. Take advantage of these discounts and save even more.

Smart Home Technology

Smart Home Technology Enjoy keeping connected? If your home is equipped with qualifying smart products, you could see some great reductions in your premiums.

Paperless Billing and AutoPay

Get rewarded for your preferred payment option — earn added convenience and discounts for AutoPay, Full Pay and paperless billing.

Renovated Home Discount

It pays to invest in your home's upkeep. Replacements to electrical, plumbing and heating systems in your home within the last 15 years may net you a great discount.

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Save More by Bundling Auto & Home Insurance


Bundle insurance with us and enjoy the cost and convenience benefits of complete protection with one provider. You can save an average of 28% when you bundle auto and home insurance.**

Get Started With a Home Insurance Quote

Peace of mind starts here. Get your home insurance quote today.

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All statements regarding insurance coverage are general descriptions. These statements do not add or modify any coverage under your insurance policy. If there is any difference in the description of the coverage/endorsement, the policy provisions will apply. Please review your policy or call your agent for information regarding coverage that may be available to you.

Equipment breakdown coverage provides protection should appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems sudden breakdown. Does not provide coverage for breakdown caused by normal wear and tear. Coverage applies once a $500 deductible has been met.

Hidden Water Damage coverage is an optional coverage. May not be available in all states. Some restrictions apply to seasonal homes and manufactured homes. The leak must occur from within a plumbing, heating, A/C, fire sprinkler or a home appliance. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Mold damage limited to coverage limits provided by your homeowners policy.

Diminishing Deductible does not apply to all property deductibles and is not available in MN at this time.

Some coverages may not be available in your state or on your specific policy form. Please speak with your agent to learn more about your coverage options.

*Maximum limit of $1,000 for homeowners insurance. Maximum limit of $500 for renter insurance, condo insurance and manufactured home insurance.

**Discount and saving amounts and eligibility will vary. Some restrictions apply. Discounts may vary by state, property policy form and company underwriting the homeowners policy. Discounts may not apply to all coverage on a property policy. Discounts do not apply to a life policy.