The building, and everything living inside it
Roof to foundation, plus your belongings, plus the cost of somewhere to stay while it all gets put right.
From$25/mo
What you're actually insuring
A house isn't one thing — it's a stack of separate coverages that most policies bury in a table on page nine. Here they are on page one.
Coverage limit
$340,000
The structure
Roof, walls, foundation, built-in everything
$170,000
Your belongings
Furniture, clothes, electronics, the lot
$34,000
Detached structures
Garage, shed, fence, that deck you built
$68,000
Loss of use
Rent and meals while your home is unlivable
$300,000
Personal liability
If someone is hurt on your property
$5,000
Medical payments
Small injuries, settled without a lawsuit
$25,000
Water backup
Sewer and sump-pump failures
$15,000
Valuables rider
Rings, art, instruments, above the base limit
Eight coverages, one monthly price. Adjust any limit and watch the number move before you buy — no agent, no callback.
Every figure on this page is an illustrative placeholder for a portfolio build, not a quote or an offer of coverage.
What’s covered
- Fire, smoke, lightning, and explosion
- Wind, hail, and falling trees
- Burst pipes and sudden water damage
- Theft and vandalism
- Somewhere to live while repairs happen
- Liability if someone is injured on your property
- Damage your kids or pets cause to someone else's property
What’s not
- Flood — a separate policy, and worth having
- Earthquake — also separate, depending on your state
- Gradual leaks you knew about and didn't fix
- Mold from long-term damp
- Termites, rodents, and other pests
- Normal wear, settling foundations, and aging roofs
What a real claim looks like
A pipe lets go behind the kitchen wall while you're at work on a Thursday.
5:20 pm
You find it
Water across the floor and a stain climbing the drywall. You open the app in the kitchen.
5:24 pm
You film the damage
A slow pan of the room and the wall. The app tells you to shut the stopcock first.
5:31 pm
Emergency cash released
Funds for a same-night plumber hit your account before the assessment is finished.
Next morning
A human takes over
Structural claims get a real assessor. Yours is booked overnight and named in the app.
An illustrative walkthrough written for this build. Timings are not a service guarantee, and complex claims still go to a person.
Homeowners questions, answered
How much coverage do I actually need on the structure?
Enough to rebuild the house, which is not the same as what you paid for it and not the same as what it would sell for. Land value is a large part of a sale price and land doesn't burn down. We estimate the rebuild cost for you and you can override it.
Does this cover flooding?
No, and no standard homeowners policy anywhere does. Flood is its own product. If you're in or near a flood zone, treat it as a genuine second purchase rather than an upsell.
What if I work from home?
Your laptop and desk are covered as ordinary belongings. Business inventory, client visits, and professional liability are not — if people come to your house for work, tell us and we'll sort out the right endorsement.
Is my home office equipment covered?
Up to the standard belongings limit. If you've got serious kit — a studio, a workshop, a server rack — put it on the valuables rider so it isn't capped at the general limit.
Do I have to buy this through my mortgage lender?
No. Lenders require you to have homeowners insurance, but they don't get to pick the insurer. You can switch to Zestly mid-term and we'll notify your lender for you.
Get a homeowners price in about 90 seconds
No calls, no paperwork, no broker. Answer a handful of questions and see the number.
Add a second policy and your total goes down
Bundling is the one discount in insurance that isn’t a gimmick — fewer policies to administer costs us less, so it costs you less.
