Structural Coverage

Covers damage to your home caused by fire, wind, theft, and some of life's other unfortunate events.

Personal Property Protection

Covers the things you value, such as your furniture and electronics, for damage caused by specific events.

Optional Coverage

Add specialized coverage at reasonable rates, including flood coverage, high-value items insurance, and full replacement value coverage for personal property.

Liability Protection

Protects you and your family from liability for accidentally causing injury to others or damaging someone else's property.

Guest Medical Coverage

Helps pay the medical expenses of someone injured in your home whether or not it's your fault.

Living Expenses Reimbursement

If you can't live in your home for a while due to a covered loss, this coverage helps with related living expenses, such as the cost of temporary housing and food.


Take Advantage of These Great Discounts* Home and Auto Discount Save up to 15% on your homeowner's policy by combining your home & auto policy with East Coast Insurance. We broker insurance through the top national homeowners insurance companies. Be rewarded for using fire resistant materials to safeguard your home. Save even more if you're at least 55 and retired, you could qualify for this discount on homeowners insurance. And of course the normal burglar alarms, smoke detectors, fire alarms, sprinkler systems and more can add up to serious savings. Another great discount is for insuring your new home at the time of purchase or for updating your home's mechanical systems and structure.

What Does Homeowners Insurance Protect?

Each home insurance policy is different, but standard policies usually provide:
  • Broad coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy.)
  • Damage to your personal property due to causes specified in your policy.
  • Limited coverage which is available for items like stolen jewelry. Coverage amounts vary depending on your state of residence.
  • Additional coverage for valuable items which can be purchased through