Modern Home Insurance​​​​​​​

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4x higher coverage limit than traditional policies for computers and home office equipment.

Appliances + Electronics

Enhanced coverage to repair or replace anything that uses electric power, such as appliances, HVAC equipment, water heaters, TVs and more.

Includes coverage for house cleaners, babysitters and the other essential folks who help you run your home.

Computers + Home Office
Smart Home Upgrades
Water Backup
House Cleaners + Sitters

Coverage for water backup and overflow from drains and sewers.

Devices and alerts to help you prevent small issues from becoming big headaches.

Service Line Coverage

Enhanced protection for the gas, water and sewer connections between your house and the street in case of an accident or wear and tear.

Enhanced Rebuilding Coverage

25% increase in home coverage to rebuild in case of labor or material pricing surges that can take place after a catastrophic event.

Full Replacement Costs

Coverage to replace an item’s cost today, not based on the depreciated value.

Local Ordinance Changes

Coverage for increased costs due to changes in local ordinances and laws.