If the worst happens, Esurance will be there to help you rebuild your home and your life from the ground up.
We'll help repair or rebuild your home, porch, deck, fence, and other attached structures to their good-as-new condition if they're damaged by fire, wind, hail, vandalism, or another covered incident.
And to help you choose the right level of coverage for your largest investment, we'll show a reconstruction cost estimate (how much insurance you need on your home itself) when you get your quote.
The estimate factors in your home's characteristics as well as the current cost of labor and materials in your area. You can then choose to match your coverage to our estimate or pick a level that suits you.
Insuring your home also means covering everything inside it. With Esurance, your belongings will be protected from theft, fire, and just about anything in between.
We'll give you the replacement cost if a covered incident damages your things. This means you can replace your clothes, furniture, electronics, appliances, etc., with brand-new, comparable items — without taking depreciation into account.
If the unexpected damages your home and you need somewhere to stay, we'll take care of your additional living expenses.
We'll help pay for your hotel bill, food costs, and other reasonable extra expenses for up to 12 months.
Accidents happen. When they do, your liability and medical expenses could be covered.
If you're responsible for unintentionally causing property damage or injuring someone, your liability could be covered — think legal fees, medical bills, and settlement costs.
And if a guest is injured while on your property, homeowners insurance can help pay for their medical expenses, whether or not you were liable for the injury.