Home Guard Plan

Home Guard Plan — beautiful suburban home protected by insurance
Home Insurance

Home Guard Plan

$99/month

Your home is more than walls and a roof — it's where memories are made and futures are built. The Home Guard Plan protects your dwelling, personal belongings, and liability exposure with dependable coverage at a competitive monthly rate.

From storm damage to theft, from guest injuries to temporary living expenses, this plan keeps your most valuable asset — and the life you've built inside it — secure against life's unexpected events.

Dwelling coverage
Natural disaster protection
Liability included

No payment is collected online. A representative will contact you after checkout.

Plan Benefits

Your Home, Fully Protected

Comprehensive homeowners coverage that addresses structure, contents, liability, and living expenses.

Structure Repair

Coverage for damage to your home's foundation, roof, walls, and built-in systems from covered perils.

Personal Property

Protect furniture, electronics, clothing, and valuables against theft, fire, and other covered events.

Liability Protection

Financial protection if someone is injured on your property or you accidentally damage another's property.

Additional Living Expenses

Hotel, meals, and temporary housing costs covered if your home becomes uninhabitable after a claim.

Key Features

Built for Homeowners Like You

The Home Guard Plan includes the protections most homeowners need, with optional add-ons for enhanced peace of mind.

  • Replacement cost coverage for dwelling and personal property
  • Fire, windstorm, hail, lightning, and vandalism protection
  • Water damage from burst pipes and appliance overflow
  • Detached structures coverage (garage, shed, fence)
  • Medical payments for guest injuries on your property
  • 24/7 claims reporting and dedicated adjuster assignment
Coverage Details

What's Covered and What's Not

Know your policy inside and out — so there are no surprises when you need to file a claim.

What's Covered

  • Fire, smoke, and explosion damage
  • Windstorm, hail, and lightning strikes
  • Theft and vandalism of home and belongings
  • Burst pipes and accidental water discharge
  • Personal liability and medical payments to others
  • Additional living expenses during repairs

What's Not Covered

  • Flood damage (separate flood policy required)
  • Earthquake and landslide (optional rider available)
  • Normal wear, tear, and maintenance issues
  • Intentional damage by the policyholder
  • Pest infestation and mold from neglect
  • Business property stored at home beyond limits
Questions & Answers

Home Guard Plan FAQ

Answers to common homeowner questions about coverage limits, deductibles, and the claims process.

Your dwelling coverage should reflect the cost to rebuild your home — not its market value. Our advisors use construction cost estimators based on your home's size, materials, and location to recommend an appropriate limit.

Home Guard offers deductibles ranging from $500 to $2,500. Choosing a higher deductible lowers your monthly premium. Your advisor will help you balance upfront savings against out-of-pocket costs in the event of a claim.

Yes. Personal property coverage extends to your belongings worldwide — so if luggage is lost or a laptop is stolen while traveling, you're protected up to your policy limits. High-value items like jewelry may require a scheduled personal property endorsement.

Most claims receive an adjuster assignment within 24 hours of reporting. Emergency mitigation (like tarping a damaged roof) can be authorized immediately. Full settlement timelines depend on claim complexity, but our team prioritizes getting you back in your home as quickly as possible.
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Guard Your Home With Confidence

Get a personalized Home Guard quote tailored to your property, location, and coverage preferences.

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