Essential Protections for Coverage

All homeowners need basic protection from their insurance policies and many buy additional protection. The Essential Protections require that policies contain minimum guarantees of protection and that companies offer some kinds of additional protection. Policyholders also need to be protected against unfair cancellation or nonrenewal of their policies, and the Essential Protections set standards there, too.


Homeowners’ insurance policies should contain minimum guarantees of protection and insurance companies should offer essential additional coverages.

  • Every homeowner’s insurance policy should contain essential terms and coverage, and policyholders at the time of purchase or renewal should be able to purchase additional important coverage.     Read more

Consumers should have the opportunity to purchase reasonable amounts of coverage under replacement cost homeowners insurance policies.

  • Insurance companies should provide accurate and up-to-date information about the value of insured property so that policies contain appropriate limits.     Read more 

Insurance companies must observe reasonable standards for canceling and renewing policies and reporting claims.

  • Insurance companies may not use an inquiry about a loss or a single claim as the basis for cancellation, nonrenewal or premium increase of a policy.    Read more

Homeowners insurance policies should have rules about causes of loss to avoid unfair gaps in coverage.

  • Policyholders should be compensated for losses due to covered causes.       Read more 

Read more about Coverage