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House Insurance

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About House Insurance

Your home is your most valuable asset. Our house insurance provides comprehensive protection against fire, theft, natural disasters, and accidental damage. We cover both the building structure and your personal belongings inside, plus liability protection if someone is injured on your property.

What's Covered

Building structure damage

Contents and personal belongings

Theft and burglary

Fire and smoke damage

Water and flood damage

Storm and lightning damage

Accidental damage

Personal liability coverage

Temporary accommodation costs

Loss of rent (for landlords)

General Exclusions

Gradual deterioration or wear and tear

Pest or vermin damage

Intentional damage by occupants

Unoccupied property for more than 60 days

Live Quote Calculator

Instant estimate — no obligation

Your Age35 years

1875

Coverage Amount$250K

$50K$2M

Location RiskMedium Risk

Plan TierStandard

Estimated Premium

$132/mo

* Estimate only. Final premium depends on full underwriting assessment, health history, and exact property details.

No commitment · Free · Instant

Choose Your Plan

Building Only

$35/mo

Structure coverage
Fire damage
Storm damage
Liability protection

Building + Contents

$65/mo

All Building benefits
Contents coverage
Theft protection
Accidental damage
Temporary accommodation

Landlord

$85/mo

All Building + Contents
Loss of rent
Tenant liability
Malicious damage
Legal expenses
Emergency repairs

Frequently Asked Questions

How is my home valued?

We use the rebuilding cost (not market value) to determine your sum insured. Our online calculator helps you estimate the right amount.

Are my valuables covered?

Standard contents cover includes items up to $2,000 each. High-value items like jewelry and art can be scheduled separately.

What if I'm renting?

Renters can get contents-only coverage. Your landlord is responsible for the building structure.