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Homeowners Insurance Coverage

Protect your home with reliable and affordable homeowners insurance coverage from Wawanesa

Get a Homeowners Insurance Quote Online

Start the homeowners insurance quote online and see how much coverage you need to protect your home and belongings. With Wawanesa, you can tailor your coverage to suit your needs. For example, depending on the size of your assets, you can increase or decrease your personal property coverage limits to give you even more protection. You can customize your insurance even further when you choose from the many available coverage options. For example, you can add business property or earthquake damage protection coverage, to name two.

What is homeowners insurance?

A basic homeowners policy from Wawanesa covers loss or damage to your dwelling (home) and your belongings within it. Home insurance also provides coverage for personal liability and can help pay medical expenses for a visitor injured on your property. Homeowners insurance will also help financially if you have to temporarily move out as the result of a covered loss.

Why do I need a homeowners insurance policy?

If you carry a mortgage on your home, your lender will require you to have homeowners insurance. This protects their investment in your home in case of fire, accidental water damage, or other damage caused by theft, vandalism, or another covered event. Homeowners insurance coverage also protects your personal belongings if they get damaged or destroyed and your personal liability should someone get hurt on your property and sue you.

Homeowners Insurance Coverage

A basic Wawanesa homeowners insurance policy includes:

Dwelling Protection Coverage

This is a mandatory coverage that pays to repair or rebuild the physical structure of your home if it’s damaged or destroyed by a covered event.

Other Structures Coverage

Pays to repair or replace detached structures on your property, for example, a shed, garage, or fence if it gets damaged or destroyed in a fire or another covered incident.

Personal Property Coverage

Insures your belongings, such as, furniture, sporting goods, clothing, and electronics if they’re damaged or destroyed as the result of a covered loss. Your personal possessions are covered whether they’ve been damaged at home or anywhere in the world. Additionally, you have the option to increase coverage on certain items.

Loss of Use Coverage

This coverage pays for living expenses, including accommodation, meals, and other necessary expenses, if you need to move out of your home temporarily due to it being uninhabitable as the result of a covered incident.

Personal Liability Coverage

Pays for claims of bodily injury or property damage sustained by others on or in your property that you or members of your household are legally responsible for.

Medical Payments to Others Coverage

Pays for minor medical claims if a guest is injured on or in your property. In certain states, this coverage also includes workers compensation for occasional employees who work in your home less than ten hours a week, for example, babysitters and gardeners.

Other Basic Coverages

This coverage pays costs incurred to prevent further damage after a covered incident, such as a fire. For example, fire department service charges or the removal of debris.

Optional Coverages

While our homeowners insurance policy provides enough coverage for most homeowners; sometimes additional optional coverages are needed for certain higher value items. We offer additional coverage increase limits for jewelry, watches, furs, and more. Limited earthquake coverage is also available.

Coverages vary by state. See the homeowners insurance coverage options available in your state.

California Coverages

Customize your homeowners insurance policy when you get a quote. Start your quote online or call 800-640-2920 to speak with a helpful agent.

What does home insurance cover?

A typical homeowners insurance policy covers damage caused by a fire, smoke, or another covered event. Home insurance also covers additional living expenses if you have to move out temporarily, your personal possessions from theft or damage, medical expenses to others if you are liable as a result of accidental injury and provides personal liability coverage for lawsuits brought against you for someone getting hurt or for damage caused to another’s property. What’s not covered can include floods, earthquakes, and high-risk dog attacks.

Saving on Home Insurance

Wawanesa offers several home insurance discounts that help you score even bigger savings. You could significantly reduce your homeowners insurance premium with claims free, loyalty, or multi-policy discounts.

Check out all the money-saving discounts that are available.

Homeowners Discounts

Find Your Local Homeowners Insurance

On top of affordable homeowner insurance rates, Wawanesa covers all the bases with customizable coverages, award-winning customer service, and 24/7 claim filing and handling. Wawanesa also delivers on the discounts which vary by state.

Start your quote online or call 800-640-2920 to speak with a helpful agent.

Frequently Asked Questions About Homeowners Insurance

What is homeowners insurance?
Homeowners insurance is a contract between you and the insurance company that covers losses and damages to your home, belongings, furnishings, and other assets. Home insurance also protects your liability for accidents to others that happen in your home or on your property.
What does home insurance protect against?
Home insurance protects you against damages to your home and property caused by fire, smoke, theft, or another covered incident. However, it’s worth noting that your policy does not cover the item that caused the damage. For example, if your water heater leaks and damages the wood flooring in your laundry room, your home insurance will cover the damages caused to the flooring, but not the faulty water heater.
Will homeowners insurance cover a rental property?
No, homeowners insurance does not cover a rental property. You’ll need landlord insurance to protect your rental property.
Is home insurance required?
If you carry a mortgage, you will need to carry homeowners insurance since the lender needs to financially protect their investment. But even if you bought your home with cash or have paid off your mortgage, you should always consider carrying insurance to protect your investment and personal belongings financially.
Does home insurance cover earthquakes?
No, home insurance does not cover earthquake damage automatically. Limited earthquake coverage is available as an additional optional coverage. Call 800-640-2920 to speak to one of our helpful agents to discuss adding earthquake coverage to your homeowners insurance policy.
Does home insurance cover water damage?

A homeowners policy covers accidental water-related damage to the structure of your home and personal belongings, but it does not pay to fix or replace the cause of the damage. For example, say your water heater overflows and floods the basement. Your homeowners insurance policy would generally cover the damage caused to the items stored in the basement, but not to replace the water heater.

For more details on coverage and exclusions related to water damage, refer to your homeowners insurance policy.

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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