We are closely monitoring Hurricane Milton, if you have any questions about your policy, please call us at 800-255-6792. To report a claim, please call 800-255-0187 or visit afi.org/claims Report a claim

What is Homeowner Insurance?

Homeowner insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowner insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.