Homeowners Insurance

You worked hard for your unique home. Protecting your investment with specialized insurance is one of the most important things you can do for yourself and your family.

What special features, belongings, traditions, and memories make your house the home your family loves?

Adequate coverage for everything from the pool and plumbing to the kitchen and basement can help you enjoy the life you've built with added peace of mind.

Combining superior products, value-added services, and 24/7 claims support, Selective and your independent agent can customize a homeowners policy to help you protect what matters most.

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What Does Homeowners Insurance Cover?

Should a covered incident or event damage your home, your homeowners policy will help you pick up the pieces. Most standard homeowners policies provide the following:

Dwelling Coverage helps protect the main building structure and fixtures, such as plumbing, electrical, roof, heating, air conditioning, and more.
Other Structures Coverage helps protect buildings not attached to your primary residence, such as a covered loss to a shed or a detached garage.
Personal Property Protection helps replace your belongings in case of a covered loss.
Loss of Use Coverage pays for a place to stay up to your applicable policy limits after a severe incident renders your home uninhabitable or during repairs or reconstruction.
Personal Liability Coverage helps protect you if you are sued for negligence, among other things.
Medical Payments could pay medical bills if someone is injured while on your property.

Separate policies are also available for renters and condo owners.

Homeowners Insurance Optional Coverages

Hydrostatic Pressure Coverage

Discover how Hydrostatic Pressure Coverage from Selective Insurance can help protect your home.

Inland Flood Coverage

Discover how you can Inland Flood Coverage can help protect your home.

What is a Cash Out Option?

Discover how a Platinum Policy from Selective Insurance can protect your home.

What is a Non-Building Structure?

Discover how you can get more from your insurance with a Non-Building Structure option as part of your Selective Insurance Platinum Policy or Selective Edge Policy.

Selective offers a variety of optional coverage enhancements to increase your protection further.

Scheduled Wine and Spirits – coverage for bottles exceeding $5,000 and more extensive collections over $50,000.
Undamaged Roofing and Siding Materials Coverage – replaces all roofing or siding in case of a covered loss (not yet available in NJ).
Service Line – pays for service line repair/replacement cost, damage to outdoor property caused by repairs, and loss of use resulting in additional living expenses.
Identity Protection – help get your life back on track in the event of identity theft with covered costs for legal fees, lost wages, and other out-of-pocket expenses.
Home Cyber Protection – protects against damages from cyber-attacks, cyber extortion, online fraud, and more, with coverage for computers, tablets, smartphones, and other connected technology.
Home Systems Protection – covers costs associated with home systems and equipment breakdown, including central air, boilers, furnaces, installed sump pumps, and more.
Hydrostatic Pressure – provides coverage when water leaks or seeps into covered property. (Only available to Platinum Policy^SM, The Selective Edge^®, and Summit Elite^SM policyholders.)
Inland Flood – designed for low- to moderate-risk flood zones, add this affordable endorsement to your Selective Homeowners policy to help protect your dwelling and personal property against flooding.
Flood Insurance – available through the National Flood Insurance Program (NFIP), this coverage protects both dwelling and contents loss or damage. A flood insurance policy typically takes 30 days to go into effect.

Talk to your local independent agent about the optional coverage enhancements available for Selective homeowners policyholders.

PROTECT YOUR FAMILY AND ASSETS WITH COMPREHENSIVE COVERAGE

SELECTIVE'S PLATINUM POLICY^SM

This optional coverage enhancement goes above and beyond standard homeowners policy protection. Built for high-value homes, the Platinum Policy^SM offers guaranteed replacement cost for non-building structures, coverage for lost or stolen jewelry, cash-out options, and much more.

Talk to your independent agent about extending your coverage further with Selective's Platinum Policy^SM.

Enjoy exclusive discounts on your Selective homeowners insurance policy.

Exclusive Savings with Selective

You can qualify for a variety of savings on your home insurance if you have:

A current auto policy with Selective
Smoke alarms, burglar and fire alarms, automatic sprinkler systems, and all smart home safety and protective devices
Quoting your home 15 days in advance of the renewal date
A higher deductible
Consistently paid your insurance bill on time

Ask your independent agent about all the discount opportunities available for Selective homeowners policy customers.

Value-Added Services for Homeowners Policyholders

Selective goes beyond the policy. As a homeowners policyholder, you get access to complimentary and discounted tools designed to help you prevent loss and protect what matters most.

Leakbot

Whole-Home Water Leak Monitoring

Detect Leaks Early. Avoid Costly Damage. Eligible Selective homeowners insurance policyholders can receive a complimentary LeakBot device that monitors your home's water system 24/7. If a leak is detected, you'll be alerted and can access professional plumbing repairs through the included Plumbing Protection Plan — all at no extra cost.

Eligible customers will receive offers via email. Terms and conditions apply.

Ting

Electrical Fire Hazard Detection

Get Real-Time Alerts for Hidden Electrical Fire Risks. Selective homeowners policyholders can claim a complimentary Ting sensor that helps identify hidden electrical fire hazards before they lead to a fire.* If a hazard is detected, Ting's Fire Safety Team provides guidance to help find and fix the problem — included at no additional cost.

*Eligible customers will receive offers via email. Terms and conditions apply.

Househappy^®

A Simpler Way to Manage Your Home

On-Demand Home Organization Tools, All in One Place. Selective homeowners policyholders can access a complimentary Househappy account that provides on-demand home organization tools, service referrals, concierge help, and seasonal reminders — all in one easy-to-use platform. Expect an email invitation from Househappy to activate your account.

Prepared Hero Fire Blanket

Emergency Fire Protection

Be Prepared for the Unexpected. Selective homeowners policyholders can get access to a discount on Prepared Hero emergency fire blankets — a quick, easy-to-use tool to help suppress small fires before they spread.

See all your Policyholder Perks

FREQUENTLY ASKED QUESTIONS

What is homeowners insurance?
Homeowners insurance covers your home's structure and replaces your belongings if lost or damaged by covered losses such as fire, smoke, theft, vandalism, lightning, wind or hail, and more. This critical insurance also includes liability coverage, which helps protect you if you're sued.

Why do you need homeowners insurance?
Your home is likely one of the most significant investments you'll ever make, so you want to be sure you're protecting your assets, and it is also typically required by mortgage lenders. It can also provide peace of mind and help protect you, your family, and your home if a covered loss occurs.

Where do I start the process to get homeowners insurance coverage?
Simply contact an independent insurance agent to get a homeowners insurance quote. Your agent will work closely with you to determine your risks and build a home insurance policy that fits your unique lifestyle at a price that works.