Homeowners insurance
Protection for your most valuable asset
We partner with Lemonade, a home insurer focused on customer satisfaction, to offer you homeowners insurance at a price that meets your needs.
Homeowners insurance people actually like
Homeowners insurance can be confusing, but it doesn’t have to be. We’ve partnered with Lemonade to help make your home insurance simple. Homeowners insurance can help pay to rebuild your home after a fire, replace property after a break-in, or cover legal costs if someone gets hurt on your property. Without homeowner insurance, property owners can be left responsible for costly out-of-pocket expenses or repairs.
Why do I need homeowners insurance?
If your house is damaged by a fire, tornado, hurricane, or other natural disaster, homeowners insurance can help pay to restore your property or rebuild your home. Homeowners insurance helps protect homeowners financially if they’re held responsible for any accidents or injuries on their property. Most mortgage lenders require homeowners to have a homeowners insurance policy.
What does a standard homeowners insurance policy cover, in brief?
Homeowners insurance typically includes six distinct types of coverage:
- Dwelling coverage relates to your home’s physical structure.
- Other structures coverage covers things like your detached garage, driveway, fence, tool shed, pool, etc.
- Personal property protection covers your personal property, whether that’s your television, phone, or furniture.
- Loss of use coverage can help with additional living expenses (like hotel bills) if your home becomes uninhabitable due to a specific peril like a fire or windstorm.
- Personal liability protection can apply to bodily injury or property damage incurred by other people on your property. It can also apply to accidental damage you cause away from home.
- Medical payments coverage helps pay for medical bills, under $5,000 in most cases, pertaining to accidents or injuries guests might have while at your home.
How to purchase homeowners insurance
Homeowners insurance is an important tool to help protect one of your most valuable assets. Elephant has partnered with Lemonade for your home insurance needs. If you need more options, you can find additional quotes from carriers in your area by trying Elephant Home Insurance Search tool below.
Simply start your quote by answering the questions about your home. Choose your coverages to get a price. Typically, payment for your home insurance can be easily added to your home mortgage escrow account or be paid monthly or annually with a credit card.
Bundle for additional savings
Save time and money when you bundle your home and auto policy. You can build a plan that best meets your needs—all while optimizing your discounts.
Quote today and let us help protect you and your family.
Frequently asked questions
+What bundles and discounts does Elephant offer?
In addition to exceptional auto insurance, Elephant partners with other carriers to offer homeowners, pet, and term life insurance. You can unlock an automatic multi-policy discount with any combination of insurance policies, like auto and home, so it’s both a great way to consolidate your insurance needs and an opportunity to save.
+I already have a policy with another carrier, can I switch?
Sure, you can! Once you sign up with Lemonade or another new provider, they will send your previous insurer a formal notice. Once the insurer gets the notice, they will likely cancel the remainder of your policy term and refund you for any time left in your term that you have already paid for. Be sure to check with your current insurer for specific cancellation procedures.
Still looking?
Start here to find other options for homeowners insurance in your area using Elephant Home Insurance Search, a handy homeowners insurance comparison tool.
Elephant Home Insurance Search
Property and casualty insurance offered through Elephant Insurance are provided and underwritten by Lemonade Insurance Company (LIC) and Metromile Insurance Company (MIC), 5 Crosby St., 3rd floor, New York, NY 10013. Home insurance features, prices, coverages, and available discounts may vary by state and are subject to qualifications. Coverage is subject to policy terms and conditions and may not be available in all states.
Lemonade Insurance Agency, LLC (LIA) and Metromile Insurance Services LLC (MIS) are licensed insurance agents and appointed by LIC and MIC and both LIA and MIS receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.