Dwelling
Coverage for certain covered damage to the house and attached structures, subject to policy terms and limits.
Homeowners Insurance
Protection for the place you call home.
Homeowners insurance can help address covered damage to your home, belongings and certain liability claims. Trinity can help you review available policy choices, limits and carrier requirements.
Home Protection
Coverage for the house,
belongings and certain liability risks.
01
Dwelling
Covered damage to the home
02
Belongings
Subject to policy terms
03
Liability
Certain covered claims
04
Loss of Use
When provided by the policy
Your Home
A homeowners policy covers more than the building.
A homeowners policy can combine property coverage with personal liability protection. The exact policy structure depends on the home, location, carrier and selected limits.
Review the policy carefully so you understand covered causes of loss, deductibles, limits and exclusions.
Homeowners Coverage
What may a homeowners policy include?
Coverage varies by policy and carrier. These are common homeowners insurance categories.
Other Structures
Certain policies include coverage for qualifying detached structures such as a shed or detached garage.
Personal Property
Coverage for qualifying personal belongings according to policy limits and conditions.
Loss of Use
Certain policies may pay qualifying additional living expenses when a covered loss makes the home temporarily unusable.
Personal Liability
Coverage may address certain covered claims involving injury or property damage for which an insured is liable.
Medical Payments
Some policies provide limited medical payments coverage for qualifying injuries to others.
Everyday Homes
Start with the details
of the home you own.
Property Details
Every home has its own details.
Information about the structure and how it is used can affect carrier eligibility and policy terms.
01
Construction details
Home type, size, materials and other property information may be requested.
02
Location
Property location can affect available policies and underwriting.
03
Occupancy
How the property is occupied can affect the correct policy type.
04
Property updates
Roof, electrical, plumbing and other home information may be requested.
Policy Considerations
Details that may affect the policy review.
Underwriting requirements vary by carrier and property.
Rebuilding Information
Home characteristics may be used when determining dwelling coverage requirements.
Deductibles
Policy deductibles can differ by policy and type of loss.
Coverage Limits
Different parts of the policy may have separate limits and conditions.
Policy Exclusions
Review exclusions so you understand what the policy does not cover.
Inside the Home
The house is only part of the picture.
Personal property coverage can apply to qualifying belongings according to the policy’s limits, exclusions and settlement terms.
Household furnishings may fall within personal property coverage.
Coverage depends on policy terms, cause of loss and applicable limits.
Qualifying personal belongings may be included within the policy.
Some items may have special limits or require additional coverage.
Home & Belongings
Homeowners insurance can address
the structure and qualifying property inside.
Other Home Insurance Needs
Some risks may require separate coverage.
Flood Insurance
Flood coverage is generally handled separately from standard homeowners insurance.
Earthquake Insurance
Earthquake coverage may be available through an endorsement or separate policy.
Umbrella Insurance
An umbrella policy may provide additional liability coverage above qualifying underlying policy limits.
Getting Started
Start with the home and how you use it.
Basic property information helps begin the homeowners insurance conversation.
01
Tell us about the property.
Share the property address, home type and basic building details.
02
Review your needs.
Discuss the home, belongings, liability and other coverage concerns.
03
Review policy choices.
Compare available limits, deductibles and carrier requirements.
04
Choose your next step.
Review the policy information before selecting the coverage you want.
Homeowners FAQ
Common questions.
Policy terms, limits and exclusions vary by carrier.
Homeowners insurance commonly includes coverage for the dwelling, certain other structures, personal property, loss of use and personal liability. Exact coverage depends on the policy issued.
Most homeowners policies include personal property coverage for qualifying belongings, subject to policy limits and exclusions.
Standard homeowners policies generally do not include flood coverage. Flood insurance is typically handled separately.
Earthquake coverage is generally not part of a standard homeowners policy and may require an endorsement or separate policy.
Information may include the property address, construction details, home size, roof and system information, occupancy, prior coverage and other information requested by the carrier.
Coverage availability, eligibility, policy terms, limits, deductibles, exclusions and underwriting requirements vary by carrier, state and property. The examples on this page are general and do not determine whether a specific loss is covered. Insurance products are subject to the terms and conditions of the policy issued. Contact Trinity for product availability and coverage details.
Homeowners Insurance
Protection for the home where life happens.
Tell Trinity about your property and insurance needs to begin reviewing available homeowners policy options.