Homeowner's insurance is vital for any homeowner, offering financial protection and coverage in case your home ever gets damaged due to disasters, accidents, crime, and other factors. The best homeowner's insurance packages can also provide protection for everything from legal and medical fees if someone gets hurt at your home to replacement costs for any valuable items that get stolen from your property too. Esurance is one of the many providers of home insurance.
Founded in 1999, Esurance is a leading provider of auto, renters, and home insurance. It aims to simplify the process of acquiring homeowner’s insurance by handling applications and claims online or over the phone, without the need for physical offices around the nation.
Esurance is owned by another leading home insurance provider, AllState. It offers a user-friendly site and simple, intuitive application and claims processes, as well as several unique coverage add-ons and optional extras.
Esurance also provides a range of potential discounts to its customers. You can save money by downloading a DIY Home Inspection app, for example, and submitting videos of your home to the provider. You can also unlock discounts by not smoking, installing burglar alarms, and more.
Dwelling – Covers the cost of any damage to your home due to fires, floods, storms, and more.
Other Structures – Covers the cost of damage to any other structures around your property like sheds.
Loss Of Use – If you have to leave your home due to an accident or other issue, Esurance can cover the costs of relocation and living expenses. Water – Up to $25,000 of coverage for water-related damage and problems.
Liability – Covers the costs of legal expenses if someone gets injured at your home.
Medical – Up to $5,000 coverage to pay for medical bills for anyone injured at your home.
Personal Items – Covers personal possessions that are damaged or stolen from your property.
Fire Department – Covers the costs if a fire department responds to a call at your home.
Identity Theft – Covers you in case of identity theft.
Fair Rental – Covers you in case of any potential rental income lost due to damages.
Day Care – Covers you if you run a home day care center.
Building Codes – Provides coverage if your home gets damaged and you have to rebuild in accordance with local ordinances or codes.