Home / Our Plans

Find your plan.

Start with a plan that fits, then adjust it until it suits your home, your belongings and your budget.

EssentialStandardPremiumAdd-onsClaims
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Three plansEssential, Standard, Premium
Optional add-onsLayer onto any plan
Clear claimsGuidance when you need it
Friendly helpTo talk through your choices
Bright modern kitchen with white cabinets
01 The short version

Three plans, no guesswork

  • EEssential PlanFoundational protection for your home's structure and liability.
  • SStandard PlanBroader protection that adds coverage for your belongings and living costs.
  • PPremium PlanOur most extensive protection for homeowners who want more options built in.

Our team is happy to explain the differences and help you think through which level suits your situation.

Getting started takes three steps

1 · Share your details2 · Build your plan3 · Complete sign-up
02 The plans

Pick a starting point, then adjust

Every home is different, so our plans flex around property type and priorities. Availability, limits and terms vary by policy and state.

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E
Foundational coverage

Essential Plan

Designed around the fundamentals of home protection: the structure itself and liability if someone is hurt on your property.

  • Dwelling coverage for covered damage to the structure
  • Personal liability coverage
  • Guidance from our team when you file a claim
Good fit for: Homeowners who want straightforward, foundational protection.
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S
Balanced coverage

Standard Plan

Builds on Essential with protection for the things inside your home and help if you cannot live there after a covered loss.

  • Everything in the Essential Plan
  • Personal property coverage for belongings
  • Loss of use coverage for temporary living costs
  • Medical payments for guests injured at your home
  • Other structures coverage for sheds and fences
Good fit for: Families and homeowners who want well-rounded protection.
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P
Extended coverage

Premium Plan

Builds on Standard with additional options for homeowners who want to cover more of what matters.

  • Everything in the Standard Plan
  • Higher limits on select categories
  • Options for valuables and specialty items
Good fit for: Owners of larger or newer homes, or those with valuable belongings.
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03 At a glance

What each plan includes

A quick view of what each plan is built around. Exact coverage depends on your policy and state.

CoverageEssentialStandardPremium
Dwelling
Personal liability
Personal property
Loss of use
Medical payments to others
Other structures
Higher category limits
Valuables options
Spacious open-plan living room with a large sofa
04 Add-ons

Make any plan your own

No two homes need exactly the same thing, so these optional extras may be added where available.

  • +Water BackupHelps address damage from sewer or drain backup.
  • +Scheduled ValuablesExtra protection for jewelry, art and collectibles.
  • +Equipment BreakdownMay help with home systems and appliances that fail unexpectedly.
  • +Extended Replacement CostAdded room if rebuilding costs exceed your dwelling limit.
  • +Identity RecoverySupport resolving issues if your identity is misused.

Protect more of what you own

Ask our team which of these may suit your home:

PoolsDetached garagesHome offices
JewelryArt & collectiblesElectronics
05 Claims

If you need to file a claim

Nobody enjoys filing a claim, so we aim to keep the process clear and easy to follow. Outcomes depend on your policy terms.

01

Reach out

Contact our team to report what happened to your home.

02

Clear guidance

We explain which details, photos and documents may help.

03

Review

Your claim is reviewed against your policy's coverage and terms.

04

Questions welcome

Ask us to explain any step or term along the way.

Ready when you are.

Review the Essential, Standard and Premium plans and choose coverage that suits your home.

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