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Homeowner Insurance

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Home is where the heart is...and it’s a big investment, too. Nobody knows what tomorrow will bring, so it’s time to protect your home now.

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What is homeowners insurance?


A home insurance policy gives you financial protection from a covered loss to your property, belongings and personal liability.


Contact an Alfa® agent for a personalized quote

Find an Agent

What does a Homeowners Insurance Policy Cover?

Your home insurance policy has a variety of coverages for your home and its belongings, as well as liability coverage, too. These are the basics.

Dwelling

Dwelling protection covers damage to your home and attached structures, such as a porch, after a covered loss.

Other Structures

Other structures coverage is for stand-alone structures like a fence, detached garage, gazebo or shed.

Personal Property

Personal property includes your belongings, like tools, furniture and electronics. This coverage will repair or replace items that are stolen or damaged in a covered event. These often have coverage - whether they are inside the home or not - when damaged due to a covered loss.

Personal Liability

Personal liability can help protect you financially if you’re deemed liable for the injury of or damage to the personal property of someone else.

Explore Home Insurance Coverages
Alfa service center

What is homeowners insurance?

A home insurance policy gives you financial protection from a covered loss to your property, belongings and personal liability.

Contact an Alfa® agent for a personalized quote

Find an Agent

What does a Homeowners Insurance Policy Cover?

Your home insurance policy has a variety of coverages for your home and its belongings, as well as liability coverage, too. These are the basics.

Dwelling

Dwelling protection covers damage to your home and attached structures, such as a porch, after a covered loss.

Other Structures

Other structures coverage is for stand-alone structures like a fence, detached garage, gazebo or shed.

Personal Property

Personal property includes your belongings, like tools, furniture and electronics. This coverage will repair or replace items that are stolen or damaged in a covered event. These often have coverage - whether they are inside the home or not - when damaged due to a covered loss.

Personal Liability

Personal liability can help protect you financially if you’re deemed liable for the injury of or damage to the personal property of someone else.

Explore Home Insurance Coverages

How much is Home Insurance?

 

The cost of homeowners insurance varies because it largely depends on a variety of factors such as:

The location of your home
The value of your property
Your claims history
The coverages and deductible you select
man and farm

Ways to save on Homeowners

 

You may have the chance to lower your home insurance premium by:

Bundling your homeowners with another Alfa policy, such as an auto or life policy
Securing your home with alarms, smoke detectors, etc.
Considering a higher deductible

Explore Homeowners Discounts right arrow

man and farm

How to file a claim

 

We’ll help you get back home as quickly as possible. You can file a property claim online, by phone or by visiting your local service center.

Report your claim online right arrow

man and farm

How much is Home Insurance?

 

The cost of homeowners insurance varies because it largely depends on a variety of factors such as:

The location of your home
The value of your property
Your claims history
The coverages and deductible you select
man and farm

Ways to save on Homeowners

 

You may have the chance to lower your home insurance premium by:

Bundling your homeowners with another Alfa policy, such as an auto or life policy
Securing your home with alarms, smoke detectors, etc.
Considering a higher deductible

Explore Homeowner Discounts right arrow

man and farm

How to file a claim?

 

We’ll help you get back home as quickly as possible. You can file a property claim online, by phone or by visiting your local service center.

man and farm

Report your claim online right arrow

Ready to get a personalized quote?

Find an Agent:

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