Who typically needs this
- Homeowners and people buying a home
- Anyone with a mortgage that requires coverage
- Households with valuable belongings or renovation plans
Individuals & Families
Homeowners Insurance
Homeowners insurance typically covers the dwelling, personal property, liability, and additional living expenses after a covered loss. Coverivo helps you review limits, deductibles, and possible gaps such as flood or higher-value belongings.
Common coverages
- Dwelling and other structures
- Personal property
- Personal liability
- Additional living expenses
- Optional endorsements for jewelry, water backup, or scheduled items
Things to consider
- Replacement cost and reconstruction estimates should be reviewed regularly
- Flood and earthquake are usually excluded from standard homeowners policies
- Deductible choice can meaningfully change premium
Questions people ask
Does homeowners insurance cover floods?
Typically no. Flood coverage is usually a separate policy. Coverivo can help you review whether flood protection should be considered.
Coverivo is an independent insurance broker, not an insurance carrier. Coverivo is staffed by licensed insurance professionals who help you evaluate and request coverage from applicable markets. We do not underwrite or issue insurance policies. Insurance products and availability vary by state and insurance company. Coverage is subject to underwriting, eligibility requirements, policy terms, exclusions, and carrier approval.