Dwelling & structures
Full rebuild cost for your home, detached garage, fence, and outdoor features.
Coverage Home & property coverage
Protection for the
place you call home.
Structure, belongings, liability, and the people who share the address.
Speak with an agent ↗︎
02Coverage family
$2.5B+Claims paid to clients
12+Home carriers on tap
98%Client satisfaction
What this covers
Real coverage,
built around your life.
A home policy should protect more than four walls. We layer coverage for the structure, the contents, the people inside, and the everyday risks — from a burst pipe at 3 a.m. to a wildfire warning three counties away.
Call +1 (888) 982-0648 ↗︎Inside the policy
Coverage you get,
line by line.
Personal property
Replacement-cost coverage for furniture, electronics, clothing, and everyday belongings.
Personal liability
Protection if someone is injured on your property or you're held responsible for damage.
Loss of use
Hotel, food, and living expenses if your home is uninhabitable during repairs.
Water & sewer backup
Endorsements for burst pipes, sump-pump failure, and municipal sewer overflow.
Scheduled valuables
Jewelry, art, collections, and instruments insured at agreed value with no deductible.
Choose your fit
Three ways to protect,
one advisor to guide.
Lender-approved baseline
Standard
- ✓Dwelling at estimated rebuild cost
- ✓Personal property at actual cash value
- ✓$100K personal liability
- ✓Medical payments to guests
Most chosen
Signature
- ✓Extended dwelling replacement (up to 125%)
- ✓Personal property at replacement cost
- ✓$500K liability with medical payments
- ✓Water backup and service line coverage
- ✓Identity theft resolution
For higher-value homes
Estate
- ✓Guaranteed replacement dwelling
- ✓Scheduled valuables at agreed value
- ✓$1M+ liability, umbrella-ready
- ✓Cash settlement option after total loss
- ✓Deductible waiver on large claims
Why Coressa
Advice that stays
after the policy starts.
Right-sized rebuild cost
We use current local rebuild data — not a purchase price — so a total loss doesn't leave a gap.
Endorsements that matter
Water backup, service line, ordinance-and-law, scheduled valuables — added where risk lives, not upsold.
Storm-day support
We help document damage, file promptly, and push the carrier when adjusters go quiet.
When it matters
Real moments this
coverage shows up for.
Kitchen fire
Fast-track lodging, contents inventory, and a rebuild estimate before the first adjuster call.
Get help now ↗︎Tree through the roof
Emergency tarping, structural coverage, and a contractor referral list in your area.
Get help now ↗︎Guest injured at a party
Personal liability responds first; we coordinate with the medical carrier and the injured party.
Get help now ↗︎Ready when you are
Get a home quote
in one conversation.
No pressure, no obligation. A licensed advisor listens, compares carriers, and explains the trade-offs in plain English.
Good questions
Frequently asked
about home coverage.
?
Does my policy cover flood or earthquake?+
Standard home policies don't. We write separate flood and earthquake policies where the risk warrants it and explain when it doesn't.
How much dwelling coverage do I need?+
Enough to fully rebuild at today's local labor and material costs — often different from the purchase price or tax appraisal.
What if I run a small business from home?+
We add a home-business endorsement or pair a small commercial policy so equipment, inventory, and client visits are covered.
Can I bundle with auto?+
Yes — most clients see the strongest savings when auto and home sit at the same carrier.
Explore more
Other coverage families.
01
Auto & mobility
For daily commutes, weekend road trips, and everything between.
View coverage ↗︎03
Life & family
Term, whole, and hybrid life coverage explained in plain language.
View coverage ↗︎04
Health & wellbeing
Medical, dental, vision, and supplemental — matched to your doctors and budget.
View coverage ↗︎