1In IA, SD and UT it is called Guaranteed Replacement Cost Coverage and in AZ, KS, MN, NE and NM, it’s known as Modified Guaranteed Replacement Cost Coverage.
Peace of Mind
Homeowners insurance protects your home and property from loss, whether that's from natural disasters, vandals or everyday mishaps. We offer additional reassurance with replacement cost coverage, personal property insurance and more.
Guaranteed Replacement Cost1
This coverage pays up to 125 percent of the limit of insurance on your home – protection that matters when you need it most.
Air Conditioners, Water Heaters and More
Our Residential Equipment Breakdown Coverage can protect you from the high cost of replacement for these systems and more.
Other Buildings on Your Property
Certain buildings or structures on your property – such as storage sheds, residential fences, gazebos, etc. – qualify for automatic coverage up to $10,000.
Personal Property Insurance
This coverage is included in your homeowners policy and protects personal belongings such as furniture, clothing, electronics, bicycles, etc.
Scheduled Personal Property Insurance
Higher – value items such as – cameras, jewelry and collectibles- may need this added coverage or listed as scheduled property on your homeowners policy.