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- Over the phone/in person
- M-F, 9-5
- Limited options (1-5 carriers)
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How Credible works
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We analyze over 1.0 billion data points to determine your risks and needs based on geography, similar homes, and your preferences.
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What does home insurance cover?
Type of coverage
Coverage amount
Dwelling
Damage to your home's structure
Your choice, but must meet mortgage lender requirements
Ideally 100% of home's replacement cost
Other structures
Damage to detached structures on your property, like a fence or gazebo
Typically 10% of dwelling coverage
Personal property
Damaged or stolen personal items, like electronics, clothing, and furniture
Typically 50% to 70% of dwelling coverage
Additional living expenses
Temporary expenses if your home becomes uninhabitable, like hotels stays and meals
Typically 20% of dwelling coverage
Personal liability
Legal expenses if someone sues you for damage to property or personal injuries
Typically a minimum of $100,000
Ideally at least $300,000 to $500,000
Medical payment to others
Medical expenses if someone who doesn’t live with you injures themselves on your property
Typically between $1,000 and $5,000