Insurance Products

Homeowners Insurance

Protect What Matters Most

You put so much more than money into your home and your possessions. Your time and energy, your sweat—and yes, your heart—are all invested. Protect that investment with the right homeowners insurance. It’s one of the most important steps you can take to safeguard the things that matter most.

Homeowners Insurance Coverage

How can you be sure you’re getting the right homeowners insurance coverage for your home sweet home? Here are some coverage descriptions that can help you get a better sense of your options. At the Hartford, we’ve thought of everything for your house insurance, so you won’t have to give your coverage a second thought.

Not all coverages are available in all states.

Dwelling Coverage - Coverage A

This homeowners insurance covers your home and any structures attached directly to it. Ideally, the amount of homeowners insurance coverage you carry should equal the cost of rebuilding your home after a total loss.

Other Structures - Coverage B

This house insurance covers other structures set apart from the dwelling on the residence premises, such as a detached garage. This home insurance coverage applies up to the limits provided in your policy and can be increased if necessary. Most policies automatically provide a limit equal to 10% of your dwelling coverage amount.

Personal Property - Coverage C

This homeowners insurance coverage protects your personal belongings, such as furniture, clothing and appliances. Most policies provide a limit of liability equal to 50% to 70% of the Dwelling Coverage amount. Certain possessions may be excluded or have only limited coverage. You can also purchase additional coverage to provide enhanced protection for valuable items and other special possessions.

Loss of Use - Coverage D

This home insurance coverage is available when you cannot live in your home due to a covered loss. It pays reasonable and customary living expenses up to the limit provided in your homeowners insurance policy.

Liability - Coverage E

This coverage protects you in two ways. First, it provides for your legal defense against a liability claim (lawsuit). Second, it will pay any court judgments for covered losses against you, up to the policy limit.

Medical Payments - Coverage F

This homeowners insurance coverage pays emergency medical bills for anyone injured on your property or any injury caused by a member of your family or a pet regardless of where it happens. All bills are paid, up to your home insurance policy limit, whether or not you're legally responsible.

Homeowners insurance policies have many other optional features available to you depending on your individual need. These include earthquake and scheduled personal property coverage.