Property Insurance

Simple, affordable property insurance

Homeowners

Protect your most important possessions with a simple, affordable policy.

  • Get coverage that can put your home back together after an accident or theft
  • Include coverage to protect yourself if someone is injured on your property
  • Pay for living expenses if an insured disaster temporarily forces you out of your home
Get started with homeowners' insurance
Learn more about homeowners insurance

Condo

Get low-maintenance coverage for the inside of your unit.

  • Protect items that condo associations and master policies don't
  • Cover improvements or alterations you've made to your unit
  • Protect yourself from liabilities
Get started with condo insurance
Learn more about condo insurance

Renters

Cover what matters to you, even if you don't own your home.

  • Cover what you own in your apartment
  • Safeguard against legal responsibility
  • Pay for additional living expenses if your home becomes uninhabitable
Get started with renters insurance
Learn more about renters insurance

Collectibles

Get extra protection for your most cherished items.

  • Protect items like jewelry, antiques and fine art
  • Get more protection for these items than with a typical homeowners or renters policy
  • Pay no deductible
Get started with collectibles insurance
Learn more about collectibles insurance

Flood

Make sure a few inches of water doesn't cost you thousands of dollars.

  • Protect a home you rent or own from rising waters
  • Additional programs and insurers provide excess coverage
  • Get coverage in both low-risk and high-risk areas
Get started with flood insurance
Learn more about flood insurance

FAQ
People often ask us

Most homeowners insurance policies have dollar limits on certain types of belongings. Generally, these limits are on silverware, guns, jewelry, watches, furs and computers. The limits usually cover losses of the average person. Talk to your agent or insurance company about increasing these limits to meet your individual needs.

No. While flood damage isn't covered by most homeowners insurance policies, we can provide a separate policy through the National Flood Insurance Program for additional coverage needs.

You'll need enough homeowners insurance to cover the cost to rebuild your home at current construction costs. This amount doesn't include the cost of the land and isn't related to the price you paid for your home or its current market value, tax value or loan amount. Keep in mind that the cost of rebuilding your home could be more or less than the price you paid or could sell it for due to changes in construction costs.

Here are some things to consider when choosing how much homeowners insurance you need:

  • Local construction costs
  • Square footage of the structure
  • Type of exterior wall construction—frame, brick, stone or veneer
  • Style of the house
  • Number of rooms and bathrooms
  • Type of roof and materials used
  • Other structures on the premises, such as a garage or shed
  • Fireplaces, exterior trim and other special features like arched windows
  • Whether the house and parts of it, like a kitchen, were custom built
  • Home improvements that have added value to your home

You may not end up with the best homeowners coverage if you comparison shop by price. Your home is one of the most important purchases you'll make, so take the time to understand your insurance before you purchase it. It's one of the most important decisions you can make for yourself and your family.

Replacement-cost coverage within a homeowners insurance policy pays to replace your home and belongings with materials of like kind and quality at current prices, while actual cash-value policies reimburse the depreciated value.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Insurance products offered in California are offered by First Citizens Bank & Trust Co., CA Agency License #OH380006.

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