Your home & structures
Dwelling coverage helps repair covered damage to the home. Other-structures coverage can extend to a detached garage or fence.
HOME INSURANCE
More than a roof.
Your place
in the world.
Make sense of what protects your home, your belongings and the life you’ve built around them.
Understand your coverageA guide to U.S. homeowners insurance. No sign-up needed.
START WITH THE BASICS
One policy.
Different kinds of protection.
Coverage depends on the policy, its limits and the cause of a loss.
Your belongings
Personal-property coverage helps replace possessions after covered losses. Check limits for valuables and how items are valued.
Your responsibility
Liability coverage can help with covered claims for injuries or property damage for which you are legally responsible.
A temporary place to stay
Additional living expenses can help with extra costs if a covered loss makes your home uninhabitable. Limits apply.
Read the NAIC homeowners insurance guide for coverage details.
KNOW THE GAPS
“Home insurance” doesn’t mean
everything is covered.
Standard policies generally exclude flood and earthquake damage. Ask about separate protection for these risks. Coverage also depends on your policy’s exclusions and conditions.
See the CFPB’s coverage overview ↗HOME INSURANCE QUESTIONS
A clearer view.
Before you decide.
Can I get an insurance quote through Earnilo?
This page helps you understand and compare coverage. Earnilo does not currently provide insurance quotes, sell policies or submit applications. Request an actual quote directly from an insurer or licensed insurance professional.
Is home insurance the same as mortgage insurance?
No. Homeowners insurance protects against covered property losses and other covered risks. Mortgage insurance protects the lender if you fail to repay the loan. See the CFPB explanation.
Should I compare quotes with different deductibles?
First compare quotes with matching deductibles and limits. Then consider whether a different deductible fits the amount you could pay yourself after a covered loss.
Does this checklist save or send my information?
No. The checklist works in your browser and does not send your selections, request your address or connect you to an insurer.
A MORE INFORMED NEXT STEP
Your home.
Your questions, answered.
Take the checklist with you when you compare actual policies.
Review the checklist General information. Policy wording and insurer terms determine coverage.