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Get the affordable protection you need

Why do you need homeowners insurance?

Buying a home is probably the biggest investment most people will ever make, and every homeowner needs insurance to protect their investment. In fact, if you have a mortgage, your lender will require you insure your home.

A homeowners policy protects you in many ways:

  • Insures the structure of your home if it’s damaged or destroyed by fire or other covered event
  • Protects your belongings against damage, theft, or loss
  • Provides living expenses if you’re displaced due to a covered loss
  • Protects your personal liability if someone sues you
  • Pays for medical expenses if a guest is hurt in your home or on your property

Ways to Save on Home Insurance

Homeowners Insurance Discounts

Reduce your home insurance premium even more by applying all the discounts available to you. For example, if you’re a non-smoker, or your policy has remained claim-free, you may qualify for those discounts. Depending on your state, you may even be able to receive a discount of up to 20% off by bundling your home and auto policies.

Homeowners Insurance Discounts

Affordable Homeowners Insurance Coverage by Wawanesa

A homeowners policy doesn’t have to break the bank — not if you buy it from Wawanesa. Along with affordable homeowners insurance rates, you’ll enjoy award-winning service, and 24/7 claim handling. Learn more about the various home insurance coverage options available to you.

Get a Homeowners Insurance Quote

Start your quote online or call 800-640-2920 to speak with one of our helpful agents who can help you discuss insurance coverage options for your home, discounts available, and buy your policy.

Homeowners Insurance Options

While a basic policy is adequate protection for most homeowners, Wawanesa offers optional coverages that allow you to tailor your policy to meet your needs.

Homeowners insurance basic coverage includes:

Dwelling Protection & Other Structures Coverage

Pays to repair or rebuild your home and other structures, e.g., a fence or garage, if they’re damaged or destroyed by a covered risk.

Personal Property Coverage

Protects your personal possessions such as, furniture, sporting goods, clothing, and electronics if they’re damaged or destroyed as the result of a covered loss.

Loss of Use Coverage

Helps pay for living expenses, including accommodation, meals, and other necessary expenses, if you need to move out of your home temporarily as the result of a covered incident.

Personal Liability Coverage

Helps pay and provides a legal defense for claims of property damage, bodily injury or medical bills if you’re found liable.

Medical Payments to Others

Pays for minor medical claims if a guest is injured on or in your property.

Other Basic Coverages

Covers expenses paid to prevent further damage after a covered event. For example, pays fire department service charges or the removal of debris after a fire.

Homeowners insurance optional coverages include:

Special Increased Limits Coverage

Provides added protection for jewelry, watches and furs, silverware, goldware and pewterware, firearms, money, securities, and electronics.

Scheduled Property Coverage

Certain items including, fine arts, bicycles, musical instruments, or coins, can be scheduled individually and insured to their appraised value.

Limited Earthquake Coverage

Includes a cap on personal belongings and a maximum on additional living expenses.

We offer additional coverage options to customize your policy, learn more about all available coverage options.

Home Insurance Coverage

Understand Your Homeowners Insurance Coverage

Your homeowners insurance policy consists of a variety of coverages that provide protection in different situations. The coverages have different limits and may have an associated deductible. The following are insurance terms commonly used in home insurance.


The protection and benefits provided to you by your insurance company in exchange for a premium.


The maximum amount of financial protection for a specific coverage.


The contract between you and your insurance company.


The price of your insurance policy.


The portion you pay out of pocket, if you file a claim, before your insurance policy steps in.

Personal Property

Any asset you own, other than real estate.

Scheduled Personal Property

Supplemental insurance that extends coverage beyond the standard insurance.

Loss of Use

Helps pay for additional expenses incurred if you have to move out of your home while it’s being repaired or rebuilt.

Medical Payments to Others

Covers minor medical claims resulting from a guest injury on your premises.

Personal Liability

Protects you against claims resulting from injuries to guests on your property.

Declaration Page

A document that summarizes the coverage provided by your homeowners insurance policy.

Dwelling Coverage

Part of your overall home insurance policy, covers your home’s structure and not it’s contents or land.

Effective Date

The date that your insurance policy begins.


An item or risk specifically not covered by an insurance policy.

Covered Loss

An event, injury, death, or liability that your insurance company will pay benefits for under the terms of the policy.

Find Your State's Homeowners Insurance

Wawanesa offers you, protection with affordable homeowners insurance and award-winning customer service. Learn more about customizable coverage, easy claim handling, and available discounts which vary by state.

See what’s offered in your state.

California Homeowners Coverage

Frequently Asked Questions About Homeowners Insurance

Why should I buy my homeowners insurance from Wawanesa?
A policy from Wawanesa provides great coverage at a great price. You’ll benefit from affordable rates, customizable coverage, and money saving discounts. Wawanesa doesn’t skimp on providing our members great service either. When you need help, whether it’s to file a claim or make changes to your policy, our helpful agents are available.
Who needs homeowners insurance?
Every homeowner needs insurance. Buying a home is probably the biggest investment most of us will ever make and home insurance protects that investment.
Is homeowners insurance required?
Yes. If you have a mortgage, your lender will require that you buy insurance to protect their investment.
What does home insurance protect against?
Home insurance protects your house and belongings against fires, accidental water damage, or other damage caused by theft, vandalism, or bad weather. Homeowners insurance also provides coverage for personal liability should someone get hurt on your property. What’s more, Wawanesa offers optional coverages that allow you to customize your policy to suit your specific needs.
How much is homeowners insurance?
Multiple factors are involved in determining insurance rates. The best way to find out how much your premium will be, is to start your quote online. Or call and speak with one of our helpful agents at 800-640-2920.
How to get homeowners insurance?
The first thing to do is start your quote online. Or call 800-640-2920 and speak with one of our helpful agents.

Have more questions on homeowners insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.

Homeowners Insurance FAQs


Please note that this website provides only a summary of homeowners insurance to generally illustrate how homeowners insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.

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