Choose between a variety of options
Not sure whether home insurance or dwelling insurance is right for you? Compare the differences below.
Covered Losses
| Dwelling Insurance | Home Insurance | |
|---|---|---|
| Fire | x | x |
| Lightning | x | x |
| Wind or hail | x | x |
| Explosions | x | x |
| Smoke | x | x |
| Riot | x | x |
| Damage by aircraft | x | x |
| Damage by non-owned vehicles | x | x |
| Loss caused by owned vehicles | x | |
| Volcanic eruption | x | |
| Vandalism | optional | x |
| Theft | optional | x |
| Construction Theft | optional | optional |
| Actions of thieves (damage to structure) | optional | x |
| Breakage of glass | optional | x |
| Falling objects | optional | x |
| Weight of ice, snow, or sleet | optional | x |
| Collapse of buildings | optional | x |
| Escape of water from plumbing | optional | optional |
| Freezing of plumbing or heating systems | optional | x |
| Earthquakes | optional | optional |
| Chemical or acid spills | dwelling coverage only | |
| Accidental damage to building | dwelling coverage only | |
| Spilled paint | dwelling coverage only | |
| Water backup resulting from ice blockage | dwelling coverage only |
Covered Liabilities
| Dwelling Insurance | Home Insurance | |
|---|---|---|
| Your household pets | optional | x |
| Fire | optional | x |
| Damage to property of others | optional | x |
| Medical expenses for others injured on premises | optional | x |
| Lawsuits based on your negligence | optional | x |
| Unintentional activities | optional | x |
Home insurance also offers a greater breadth of coverage options compared to dwelling insurance.
The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation. Not all discounts are available in all states. For Colorado policyholders or applicants: Discounts are not available for wildfire risk-reduction work done on your property or community-level safety efforts, such as a neighborhood earning a recognized safety status.