Home Insurance

Your home is your castle. So we'll treat you like royalty.

While you don't have to worry about losing control of your house and smashing into another one, that's not to say owning a home isn't without the potential for problems.

A storm could redecorate your living room with trees. A delivery person could trip on the stoop and break a leg. Your dog could decide to stand up for himself at the park. Or thieves could make you the "winner" of their reverse lottery. Homeowners insurance protects your house, its contents and even household family members from loss in a wide variety of situations.

While you'll find we've got some pretty unique and comprehensive coverage options, they're not what make us think we're the best. Our fair rates, exceptional customer and claims service — and genuine care for the people we cover — do that.

Use our Online Quote Tool to see how little you could pay for insurance coverage you'll be happy with. Whether something happens, or not.


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Why do I need this?

While you can add on extras, a home policy is basically three different coverages rolled into one:

  • Liability pays others for bodily injury sustained on your property, and occasionally by your accidental actions or oversights.
  • Property Damage pays you for damage or loss of the physical structures on your property.
  • Personal Property pays you for damage or loss of belongings inside and outside the home. Unless you own your home outright (nice job, by the way, if you do) the mortgage holder is going to require property damage insurance so their investment is protected.


* Product, service, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services or coverage. For more information, please contact Electric Insurance Company at 800.227.2757. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.

Alabama residents, review the Alabama Homeowners Bill of Rights.


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