Home Insurance When you’re comparing insurance policies for home sweet home, you don’t want to end up comparing apples to oranges. Get a Quote from an Agent A single change from one policy to another can be the difference between “Phew, we can fix this,” and “What do you mean my policy doesn’t cover this?!” That's where working with an independent agent can help. They’ll take the time to understand your needs and make sure you’re not missing a key piece of protection for your home. Home Coverage Talk to your independent agent about these coverages to find the best protection for your home sweet home. Underground service line. Your home relies on underground service lines like water, waste, heating, cable and internet. You’re legally responsible for maintaining them from your house to the street. Can you afford to pay for repairs? Home cyber protection. With the popularity of connected home technology and smart devices, be sure to protect your data, software, and systems from computer attacks. Would you want help restoring your information and reclaiming costs if you were the victim of online fraud or a data breach? Back up of sewers and drains. This is one of the biggest coverage gaps for most homeowners today. Can you afford to repair or replace your entire basement if your sump pump fails or a sewer or drain backup causes it to flood? Home replacement cost. Many homeowners think that the cost to replace their home is somehow related to its market value. Not so. Added costs for purchasing new materials, removing debris, hiring specialized contractors and more can all add up. The same idea applies to your personal belongings, too. Would you want your home and everything inside replaced exactly the way they were if you suffered a total loss? Jewelry, artwork and collectibles. Some things are worth more than money. But if a high-value item gets damaged or stolen, would you want to be compensated for it? Learn more Identity theft protection. Every three seconds, someone in the U.S. becomes a victim of identity theft. Would you want professional help in restoring your identity, notifying credit bureaus and creditors and preparing a case file to help law enforcement solve the crime? Learn more Renters insurance. Would you want financial protection for your things, both inside your rented home and while traveling? Learn more Condo insurance. Would you want to protect your condo the same way you'd protect a house? Learn more Personal umbrella. If you were sued for property damage, character defamation, libel or something else, would you be able to afford the settlement? Learn more Equipment breakdown. Would you be prepared to pay for a brand new heating, cooling or ventilation system if it had a sudden accidental breakdown? Do you own a backup generator or pool equipment that you’d want covered? Assisted living care. Would you like to have some added protection for a loved one’s personal belongings while they’re in an assisted living facility? Home Discounts Don’t forget to ask your agent about home insurance discounts you may qualify for, including: Multiple policy Advance quote Prompt payer or paid in full Home maintenance Smart fire alarm Claim-free And more Ready for a quote? Contact an agent Why we work with independent insurance agents *Available coverages and discounts may vary by state. Please contact your Grange Independent Agent to discuss coverage details, discounts and eligibility requirements. For specific coverage details, always refer to your policy. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies.