Overview
Homeowners & Renters Coverage Built for American Properties
Your home is likely your largest financial investment — and the place where your family creates its most cherished memories. Home insurance protects that investment against perils ranging from house fires and burst pipes to windstorms, burglary, and liability lawsuits arising from accidents on your property.
Philadelphia Life Insurance Company offers homeowners, condo, and renters policies designed for properties across the United States. Our advisors assess your dwelling value, personal property inventory, regional risk factors, and liability exposure to build a policy that rebuilds your home and replaces your belongings without leaving you underinsured.
Key Benefits
Dwelling Protection
Covers repair or rebuilding costs for your home's structure — including attached garages, decks, and built-in appliances — after covered damage events.
Personal Property Coverage
Replace furniture, electronics, clothing, and valuables stolen or destroyed by covered perils, with optional scheduled coverage for high-value items like jewelry and art.
Personal Liability Protection
Defend against lawsuits and pay medical bills when a guest is injured on your property or you accidentally cause damage to someone else's belongings.
Natural Disaster Coverage
Protection against wind, hail, lightning, and winter storm damage — with optional flood and earthquake endorsements for high-risk regions.
Policy Features
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Replacement Cost vs. Actual Cash Value
Choose replacement cost coverage to rebuild and replace without depreciation deductions — the preferred option for most homeowners.
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Additional Living Expenses
Covers hotel stays, restaurant meals, and temporary housing when your home becomes uninhabitable due to a covered loss.
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Water Backup & Sump Overflow
Optional endorsement for damage caused by sewer backups, sump pump failures, and drain overflows — common exclusions in standard policies.
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Home Systems & Appliance Protection
Supplemental coverage for HVAC systems, water heaters, and major appliances that break down due to normal wear — beyond standard peril coverage.
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Bundle & Loyalty Discounts
Combine home and auto policies for multi-policy savings, plus credits for security systems, smoke detectors, and claims-free history.