Homeowners standard insurance coverages
Find coverage that's right for you and your home
Dwelling coverage
At the most basic level, your home is your refuge from the outside world. And if something were to happen to it, you want to make sure you’re able to rebuild or replace it. That’s where dwelling coverage comes in. What is dwelling insurance and what does dwelling insurance cover? Get the facts on insurance for your home’s structure and what it does and doesn’t cover.
Other structures coverage
What if a tree falling missed your house but demolished the shed where you keep your lawnmower and yard tools? A standard insurance policy could provide coverage for damages. Other structures coverage, also known as detached structures insurance, typically covers any structures that are located on your home's premises — but that are not directly attached to your home — in the event of a covered loss.
Personal property insurance
Whether it’s your kitchen table, your television or your clothing, you might have to replace your stuff in the event of a covered loss. Personal property coverage protects your belongings in your home.
Loss of use coverage
Loss of use coverage is essential if a circumstance arises that causes your home to be uninhabitable and you need to pay for additional living expenses. Find out what loss of use insurance covers.
Personal liability insurance
If you’re found liable for property damage or injuries to someone, are you able to cover the associated costs? Learn how personal liability insurance can help.
Medical payments coverage
Protection against wildfires
Wildfire defense
In response to the growing threat of wildfires across the nation, we offer active wildfire protection to home policyholders in certain states. The best part? It’s free of charge.
Wildfire defense faq
If you caused a car accident that results in injuries, this aids in covering their treatment – and may protect you if you’re sued.
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*CONNECT, powered by American Family Insurance, is the brand name of American Family Connect Property and Casualty Insurance Company and American Family Connect Insurance Company, Madison, WI. Depending on the state, auto policies are underwritten by either company, or by an affiliate, Midvale Indemnity Company, Madison, WI. Property policies are underwritten and issued by affiliates based in Boston, MA, including: Homesite Indemnity Company, Homesite Insurance Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Georgia, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Lloyd’s of Texas, and Homesite Insurance Company of the Midwest. The American Family Connect Insurance Agency, Inc., places policies with related and unrelated companies. Each insurer is solely responsible for the claims on its policies and pays the Agency for policies sold. In Texas, certain property coverages may be underwritten by Ranchers & Farmers Mutual Insurance Company. Prices, coverages and privacy policies vary among these insurers. Each company has sole financial responsibility for its products. Some products, discounts, benefits, and savings may vary, may not be available in all states, and are subject to limitations. Costco Insurance Agency, Inc. is not licensed in New York state. Insurance products are not obtained through the Costco Insurance Agency, Inc. in New York. Costco Wholesale, Costco Insurance Agency, Inc. and its subsidiaries do not underwrite insurance, pay claims or guarantee any of the products or services offered by CONNECT. Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation from CONNECT and/or its affiliates.
We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declaration page for complete coverage details.