Homeowners insurance provides financial protection in the event that your home or personal property are damaged. Homeowners insurance is designed to offer protection on the most valuable asset owned by individuals or families.

Homeowners HO-3 Form (Owner Occupied Homes)

Homeowner’s insurance policies include protection for both the home and the property that it sits on, as well as other buildings or structures on the property. Homeowners insurance also provides protection for most items located within the home or other structures. Policies also provide liability coverage to protect you or a family member that are held legally responsible (liable) for the injuries to others or to their property. This Homeowner’s Insurance policy offers protection on owner occupied home for damage to the home and personal property as well as providing liability coverage.

Click below for Coverage Details and Availability:

Alabama (Admitted)

Please be advised that SafePoint has discontinued issuing new homeowners policies in Alabama. We invite you to explore alternative coverage options available through our affiliated carrier using the link below:

California (E&S)
Coverage
Liability
Deductibles
Restrictions
Coverage

Owner-occupied Single-Family Dwelling Only

Properties must be insured to 100% of replacement cost

Property Coverage – Total Insured Value (all property coverages combined) Maximum $5.4M

  • Coverage A – Dwelling, your home’s primary structure – $1.3M (125% extended replacement cost available)
  • Coverage B – Other Structures, any structures such as a shed or garage detached from the main home – 10% of Coverage A
  • Coverage C – Personal Property, your clothing, furniture, and other household items – 50%
  • Coverage D – Additional Living Expense, the extra costs incurred if the home becomes unliveable due to a covered loss – 20%

Florida (Admitted)

Please be advised that SafePoint has discontinued issuing new homeowners policies in Florida. We invite you to explore alternative coverage options available through our affiliated carrier using the link below:

Louisiana (Admitted)

Please be advised that SafePoint has discontinued issuing new homeowners policies in Louisiana. We invite you to explore alternative coverage options available through our affiliated carrier using the link below:

Mississippi (Admitted)
Coverage Overview
Property Coverages Available
Coverage Overview

Owner-occupant(s) of a Single family or Multi family dwelling which is used exclusively for private residential purposes. A dwelling may not be occupied by no more than 2 families or two roomers or boarders. Seasonal/Secondary homes are eligible.

Properties must be insured to 100% of replacement cost

South Carolina (E&S)
Coverage
Liability
Deductibles
Other Coverage(s)
Coverage

Owner-occupant(s) of a Single family or Multi family dwelling which is used exclusively for private residential purposes. A dwelling may not be occupied by no more than 2 families or two roomers or boarders. Seasonal/Secondary homes are eligible.

Properties must be insured to 100% of replacement cost

Property Coverage – Maximum coverages available:

  • Coverage A – Dwelling, your home’s primary structure – $5.0M (150% extended replacement cost available)
  • Coverage B – Other Structures, any structures such as a shed or garage detached from the main home – 20% of Coverage A
  • Coverage C – Personal Property, your clothing, furniture, and other household items – 70%
  • Coverage D – Additional Living Expense, the extra costs incurred if the home becomes unlivable due to a covered loss – 20%

Texas (Admitted)
Coverage Overview
Property Coverages Available
Coverage Overview

Owner-occupant(s) of a Single family or Multi family dwelling which is used exclusively for private residential purposes. A dwelling may not be occupied by no more than 2 families or two roomers or boarders. Seasonal/Secondary homes are eligible.

Properties must be insured to 100% of replacement cost