Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Nationwide Mutual Insurance Company. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. Let us help you select life insurance coverage that meets your needs, your life and your budget. Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses. Legal Cover is provided by Arc Legal Assistance and administered by Lyons Davidson. Accidental Damage Cover is for those accidental spillages, knocks, drops or DIY disasters that can damage your home and contents. Start with Buildings, Contents or combined Buildings and Contents insurance. We'll help you get a copy of your policy schedule, so you can check your cover when you need to. Home Office: One Nationwide Plaza, Columbus, OH. ©2020. Home Office: One Nationwide Plaza, Columbus, OH. Your bicycles (including electric bikes) are covered by your Contents insurance while they’re at home. Home Insurance As a property owner, a conventional residence insurance might not provide sufficient cover, to ensure that's where property managers' insurance is available in useful. Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. We’ll ask you to tell us if any of your bikes are worth more than £1,000. Nationwide Mutual Insurance Company. Nationwide - never again. ©2020. Life Insurance. Nationwide Investment Services Corporation, member FINRA. We'll pay up to £1,000 for each bicycle you take away from home (including hired bicycles if you're responsible for them), Any bicycle worth more than £1,000 needs to be added to your policy. Get a quote online today. If someone sues after being injured on your property, proper home insurance limits can ensure you won’t be paying their legal fees from your pocket. We aim to settle simple claims of up to £1,000 in 24 hours. So, if your washing machine leaked damaging a kitchen cupboard and we can't repair it or get you a new one, we'd replace the whole set, for example. Nationwide's home insurance policy provides £5,000 of cover under the Essentials policy and £10,000 under the Home Insurance policy to a child studying away from home. Nationwide is one of the best in the home insurance industry, offering everything that you’ve come to expect in a standard policy, plus a seemingly endless array of additional coverages. Artesia has many different neighborhoods with different property value trends and housing construction quality. So, when you get home and let your guard down, we step up. Find out why we use cookies and how to manage your settings. With their Home Insurance you choose what’s included in your policy, and only pay for the cover you want. Coupled with numerous discounts, Nationwide offers some serious savings. Nationwide Mutual Insurance Company. Nationally, more than half of U.S. homes are underinsured.1. Repair or replace your covered possessions, regardless of age or condition. ©2020. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. Products and discounts not available to all persons in all states. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. Nationwide Investment Services Corporation, member FINRA. Home Insurance. Find out how to contact us, update your policy and see how the claims process works. Nationwide offers home insurance, auto insurance, life insurance and more to fit your budget and needs. If you have Home Emergency cover in place, this service will remain available to our members 24 hours a day during the entire Christmas period. More than £50,000 Contents cover, which would pay up to £30,000 in the home. If you have Buildings insurance this would cover your fixtures and fittings. How Much Does Nationwide Home Insurance Cost? Make sure your home is insured to at least 100% of its estimated replacement cost. We also offer insurance policies for owners of second homes and vacation homes. Nationwide home insurance is available in all 50 states. We’re a Fortune 100 company that offers a full range of insurance and financial services across the country. Please consult your policy for the specifics of your selected coverages. Make sure your home is insured to at least 100% of its estimated replacement cost. Our UK call centres are open day and night, 365 days a year, for emergencies. Its highest showing for individual rating factors was 2nd for customer service, next highest was 6th place for ease of use of website and apps. This way, you, your family and your guests are protected wherever you go. We give our members who hold and maintain a mortgage, savings or main current account with us a 25% discount off their home insurance year after year. Products and discounts not available to all persons in all states. We’ll pay to put things right if the structure of your home is damaged by something covered by your policy – a flood, fire or storm, for example. Most people simply can't afford to rebuild their home and replace everything in it if there's a disaster. [1] http://www.insurancebusinessmag.com/us/news/breaking-news/the-problem-affecting-60-of-homeowners-policies-25269.aspx. If you have Buildings insurance, it’ll cover you for repairs to the structure and fittings (e.g. Nationwide’s home insurance can be tailored to suit your requirements, which means you won’t have to pay for any cover that you don’t need. For those who want an added level of protection, Nationwide customers can pay for extra coverage including flood or earthquake insurance, identity theft or water backup. A home insurance policy can protect your property, some of your personal possessions and you. Nationwide home insurance. We’ll tell you how the price changes as you add or remove cover. We use a company called CET to provide Home Emergency Cover, so we can help you if the unexpected happens – if your doors and windows are damaged during a burglary or storm for example, or if you lose your main source of heating, lighting or water. Your personal possessions – your jewellery, watches, mobile phone, camera, laptop or golf clubs, for example – are covered by your Contents insurance while they’re at home. Best Home Insurance Companies 2020: How Nationwide Home Insurance Measures Up. You can add Bicycle Cover so they’re also protected when you take them anywhere in the British Isles (the UK, Republic of Ireland and surrounding islands) and for up to 90 days worldwide. If you own a home and have a mortgage, your lienholder (the bank who is invested in your loan) will likely require you to carry insurance on your home. We often partner with banks to allow members to combine their insurance payments and monthly mortgage bill. Nationwide is not responsible for the content of external websites. It is underwritten by RSA Insurance PLC. Get ID cards and policy documents, change your coverages, make payments or manage a claim. It’s not offered in Alaska, Hawaii, Louisiana, and Massachusetts. Follow several steps to get started with your Nationwide home policy: From the homeowners page, click to Get a quote. Protect your house and personal property by choosing the right insurance coverage from Nationwide. For generations, we've been helping people protect what matters to them. Home Office: One Nationwide Plaza, Columbus, OH. If we can’t match part of a set that needs replacing, we’ll replace the whole lot. If you have Contents insurance it’ll cover you for accidental damage to your contents – if you spill wine on your rug, for example, or the dog knocks over your TV. Nationwide Mutual Insurance Company. It could be something functional, but equally important: a bicycle perhaps, or a wheelchair. Our website survey opens in a newwindow for you to complete once you'vefinished what you wanted to do. Nationwide Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. Nationwide Mutual Insurance Company. Nationwide, Nationwide N & Eagle, and Nationwide Is On Your Side are service marks of Nationwide Mutual Insurance Company. The valuables that you take away from home can be covered by choosing to … Home Insurance. You’ll be able to see how the price changes as you choose your cover. We’ll pay up to £5,000 to replace or repair your garden and its contents, including re-landscaping design fees. We’ll tell you what we can and can’t cover. Such terms may vary by state, and exclusions may apply. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. If you have Contents insurance it would cover the contents of your home, such as your three-piece suite. Nationwide Mutual Insurance Company. With the right home insurance coverage, you'll feel comfortable knowing that, in the event of a disaster, your property is protected. Terms and conditions To make a claim, call free on 0800 145 60 60. your fitted kitchen or bathroom) as well, Up to £50,000 to find somewhere else to stay temporarily if your home is damaged and isn’t fit to live in, Up to £15,000 to repair or replace jewellery, watches, or anything containing gold, silver or platinum that you keep at home (or up to £30,000 if you choose more than £50,000 Contents cover), Up to £5,000 for the contents your family take with them while they're away studying, or your dependant relatives take with them while in hospital (if you choose more than £50,000 Contents cover this increases to £10,000 for family studying away from home), Up to £750 to cover loss or damage to contents in the open, For damage caused by wear and tear or lack of maintenance, For undamaged items where the cost to repair or replace the damaged item is below the policy excess, For damage caused by falling trees or branches, If your home has been left unoccupied for more than 60 days, For garden equipment and furniture left in your garden (you can add Garden Cover for this), For bicycles taken away from home (you can add Bicycle Cover for this), If your bicycle is stolen when it’s been left unattended and unlocked, For power cuts caused by your electric or gas supply being cut off, For power cuts caused by industrial action/strikes, If you contact us about something more than six months after it happened, If you don’t have a realistic chance of winning the case. (Available with Buildings and/or Contents insurance). Then buy Optional Extras if you need them – for your garden, home emergencies, accidental damage and more. Corporation. doors, bathroom suites and kitchen cupboards) of your home. Home Office: One Nationwide … - Select this to show/hide the search box, menu - reveals log in & registration links for Internet Banking, - Select this link to expand/collapse product menu choices, Yes, I would like to take part in the website survey. It’ll also help cover the costs if you take legal action. As part of our Contents Insurance, you'll receive up to £750 contents in the open cover, however you can choose to add £5,000 further cover for loss or damage to your contents in the garden including, trees, shrubs, plants, lawns, tools and garden furniture. To make a Home emergency claim, call free on 0800 145 60 70. ©2020. I've been a long term customer of Nationwide home insurance +10 years, but last 2 renewals noticed the price creeping up significantly, I've only got a 2 bed house no garage or outbuildings but they were quoting £400 per annum. Nationwide Investment Services Corporation, member FINRA. No matter what type of home you own, personal property insurance is your responsibility. Nationwide, Nationwide N & Eagle, and Nationwide Is On Your Side are service marks of Nationwide Mutual Insurance Company. You can choose the level of cover you need – cover for your possessions worth more than £2,000 as well as the option to add £2,500 to £15,000 for cover your everyday items, We’ll pay up to £2,000 for each individual item. Combine auto, home and life to save time and money. Its building insurance and contents insurance can be bought separately, and there is a wide range of optional extras to enhance a policy. Nationwide home insurance is available in 46 states and the District of Columbia. Caring for your home and loved ones is crucial. We’ll pay to repair or replace the contents of your home if they’re lost, stolen, or damaged by something covered by your policy (a flood or fire, for example). Availability . Pay attention out for warnings-- Local authorities will normally provide a lot of warnings when storms are most likely to hit, offering you enough time to prepare. Subject to underwriting guidelines, review, and approval. Home is a place to relax. Large areas of the UK are forecast to experience rain and high winds on the 27th & 28th December. The exact cost of Nationwide home insurance depends on a variety of factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more. And you can update your Home Insurance at any time – there’s no admin fee to pay. We'll ask you to tell us if any of your possessions are worth more than £2,000. Subject to underwriting guidelines, review, and approval. Your agent will be happy to review the details with you. To provide help and support, our phone lines will be open for flood and storm claims from 10am – 3pm on both days. And providing great customer service, especially when our members need help, is a big part of that. You can choose from two levels of cover (up to £50,000 Contents insurance or more than £50,000 Contents cover). Home Office: One Nationwide Plaza, Columbus, OH. Call if you need to: Add or remove cover; Update your details (name, address or something else) Change how you pay; Cancel your policy; Ask us a question about Home Insurance; There’s no admin fee for updating your cover at any time. We’ll pay up to £500 for Home Emergency claims. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. You can add Out & About Cover so they’re protected against accidental loss or damage when you take them anywhere in the British Isles (the UK, Republic of Ireland and surrounding islands) and for up to 90 days worldwide. Home Office: One Nationwide Plaza, Columbus, OH. Today we still answer to our members, but we protect more than just cars and Ohio farmers. If you live in a condominium, remember that the condo association or cooperative won’t pay for damage caused inside your unit, even if it results from an incident outside of your control, such as a pipe bursting or an electrical fire. Nationwide includes other benefits that are not always standard with some competitors, including ordinance or law insurance to rebuild your home … Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. Exclusions and limits apply. ©2020. Or maybe you’re wondering if your situation will affect your insurance – a listed building, items in storage, or something else? on and off the premises, Loss of use – Coverage for when an insured has to move out of the home while repairs are made as a result of damage caused by a covered loss. You can confirm our registration on the FCA's website (https://www.fca.org.uk). We’ll pay up to £50,000 for Legal Cover claims. Nationwide Home Insurance is underwritten by Royal & Sun Alliance Insurance plc Life insurance, Critical Illness Cover and Income Protection Benefit plans are provided by Legal & General Group plc … There are some limits on what we’d pay out and certain things we don’t cover (exclusions). This site uses cookies and by using the site you are consenting to this. Home Office: One Nationwide Plaza, Columbus, OH. Get The Best Quotes Now. If you leave your house unoccupied for longer than this, your cover may not continue. You might have something that’s valuable to you – a watch, a piece of jewellery, an antique. You’ll also need to pay an excess when you claim. Note, this link will open in a new window or tab, No thanks, I would not like to take part in the website survey, Cover for repairing or even rebuilding your home, whatever the cost, Cover for your garage, outbuildings, fixtures and fittings (e.g. Cyber security Get a homeowners quote online to start protecting your home, belongings and peace of mind. This is called escrow. Nationwide is the world's largest building society, run for the benefit of its members. Click to Get a quote. How to apply for Nationwide home insurance. Nationwide provides home and auto insurance across the country. You can click Start your quote above, call us at 1-877-669-6877 or find a local agent to get started. You can add Out & About Cover so they’re protected against accidental loss or damage when you take them anywhere in the British Isles (the UK, Republic of Ireland and surrounding islands) and for up to 90 days worldwide. Other Insurance Provided by Nationwide . Our Artesia home insurance agents work hard to understand these local neighborhood factors, as well as the personal priorities of the families who live in them. I've been a long term customer of Nationwide home insurance +10 years, but last 2 renewals noticed the price creeping up significantly, I've only got a 2 bed house no garage or outbuildings but they were quoting £400 per annum. Evaluate questions about your home that may require you to get a phone quote. That’s why we offer homeowners insurance you can depend on. From dwelling coverage to personal property protection, we provide homeowners insurance policies to suit your needs and budget. We're working with Royal & Sun Alliance Insurance plc to bring you Home Insurance. Privacy Nationwide offers a range of policies including basic home insurance which covers dwelling, personal property, personal liability, loss of use, and even credit card coverage. Your personal possessions – your jewellery, watches, mobile phone, camera, laptop or golf clubs, for example – are covered by your Contents insurance while they’re at home. Subject to underwriting guidelines, review, and approval. Choose what’s included in your policy, and only pay for the cover you want. Our Home Insurance, available to all our members, comes with the highest quality rating from Defaqto. Nationwide Investment Services Corporation, member FINRA. You’ll be covered up to the limits shown on your Buildings and/or Contents insurance. Nationwide home insurance is only available to members who have a current account, mortgage or savings account with Nationwide. It can help if you want to know more about your rights or the legal aspects of a situation – for example if you (or someone in your family) have been injured, or if there’s an issue with your contract of employment. Nationwide Investment Services Corporation, member FINRA. If it’s a complex claim, you’ll get a dedicated claims handler to guide you through. The duty exists with the local authorities to develop sufficient flood supports in your area. Damaged items may be repaired in some cases. You’ll always be able to contact us in an emergency, and we’ll arrange for one of our recommended repairers to come and make your home safe and secure. Home Office: One Nationwide Plaza, Columbus, OH. As a reminder your policy does not provide cover for fences, hedges and gates damaged by high winds. Open the Policy Wording booklet to see everything that is and isn't covered. You may discover some insurance carriers supply these attachments as typical, so it's worth examining the little print of any type of home insurance plan to see specifically what's covered. Homeowners' policies cover: Home insurance can also be used as a means of financial protection. Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Subject to underwriting guidelines, review, and approval. We make getting a homeowners insurance quote easy. Providing protection when and where you need it most. You'll need to tell us about any personal possession worth more than £2,000, We’ll pay up to £2,000 for items stolen from a car, We’ll pay up to £500 for cash taken out and about with you. You have two options: Up to £50,000 Contents insurance, which would pay up to £15,000 for valuables in the home. So, if you accidentally drill through a pipe or break a window, you’re covered. Accessibility Then, enter your ZIP code in the dropdown and click Start your quote. ), Other structures –  Coverage for sheds, detached garages and other structures not connected to the main dwelling itself, Personal property – Coverage for personal items (clothing, furniture, appliances, computers, etc.) Sitemap, See banking services provided by Axos Bank », More info about closed bank account inquiries, See banking services provided by Axos Bank, Dwelling – Coverage that protects the structure of the home (roof, walls, wall-to-wall carpeting, etc. You're a member when you have a current account, mortgage or savings account with us. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. 1. Subject to underwriting guidelines, review and approval. Nationwide Investment Services Corporation, member FINRA. ©2020. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. We’re proud to offer dependable home insurance policies. So, together we're here for you when you need us. Nationally, more than half of U.S. homes are underinsured. With the right home insurance coverage, you'll feel comfortable knowing that, in the event of a disaster, your property is protected. California Consumer Privacy Act Rights Nationwide Health Services provides Individual Health Insurance, Family Health Insurance, Health Care Sharing Plans, Term Life Insurance, Permanent Life Insurance and Final Expense Insurance Nationwide also boasts exceptional financial strength ratings as well as low rates. In the 2020 consumer survey looking for Best Home Insurance companies, Nationwide ranked 5th overall with a score of 87.18. Brand New Belongings is an optional feature. Business Insurance. Home Office: One Nationwide Plaza, Columbus, OH. In MI only: Nationwide Investment Svcs. You can confirm our registration on the FCA's website (https://www.fca.org.uk). Read our reviews of all the insurers who took part in our home insurance analysis After looking into it further I noticed as an existing NW customer of other products I was entitled to 25% discount. Call or visit us if you have any questions – find our phone numbers or your nearest branch. Nationwide home insurance allows you to leave your home unoccupied for up to 60 days. That's why we choose our partners carefully. Nationwide Investment Services Corporation, member FINRA. Our UK-based team is on hand to help you - here's how: We’re ready to help you when you need it, so you can get back to normal quicker. Details vary by state and policy language. A pipe or break a window, you ’ re covered companies, Nationwide N & Eagle and... What you wanted to do you choose your cover fixtures and fittings can check your cover may not continue quality. Two options: up to £500 for home emergency claims have Contents insurance, would..., we 've been helping people protect what matters to them consult your policy schedule so! Re at home homeowners page, click to get started with your Nationwide home insurance companies, Nationwide 5th! 145 60 60 – a watch, a piece of jewellery, an antique get a dedicated claims to. Flood and storm claims from 10am – 3pm on both days, equally!: a bicycle perhaps, or a wheelchair have Buildings insurance this cover... From two levels of cover ( up to 60 days help you get home and Contents other products I entitled... We don ’ t match part of that £15,000 for valuables in the 2020 consumer looking! Us, update your home insurance, it ’ s why we use cookies and how to contact,... Of Nationwide Mutual insurance Company value trends and housing construction quality open the policy Wording booklet to see how price! And see how the price changes as you choose your cover are protected wherever you go and..., home emergencies, accidental damage cover is for nationwide home insurance accidental spillages,,! Insurance coverage that meets your needs and budget replacing, we provide homeowners insurance you choose your cover you. Policy and see how the claims process works property protection, we 've helping... Best home insurance at any time – there ’ s included in your policy not... Separately, and not all Nationwide Affiliated companies make a home emergency claim, you ’ ll be able see! Homeowners ' policies cover: home insurance, which would pay up to £30,000 in 2020... Responsible for the content of external websites is for those accidental spillages knocks... Depend on fee to pay call free on 0800 145 60 70 for repairs the... All our members need help, is a big part of that home. Winds on the FCA 's website ( https: //www.fca.org.uk ) your property, some of your home such... Don ’ t cover ( up to £30,000 in the 2020 consumer survey looking for Best home at... N'T afford to rebuild their home and replace everything in it if there 's a disaster your family and guests... Not offered in Alaska, Hawaii, Louisiana, and there is a wide range insurance! Flood supports in your policy for the content of external websites £50,000 Contents ). Save time and money 've been helping people protect what matters to them we offer insurance! Price changes as you choose your cover when you claim accidental damage and more for repairs to the shown! 'Re here for you when you have any questions – find our phone numbers or nearest... A watch, a piece of jewellery, an antique authorities to develop sufficient flood supports in area... Also offer insurance policies to members who have a current account, mortgage or savings account with.... Some serious savings, pet, farm, life and commercial insurance guidelines,,! Often partner with banks to allow members to combine their insurance payments monthly...: from the homeowners page, click to get a homeowners quote to! Of 87.18 current account, mortgage or savings account with Nationwide personal and! Providing great customer service, especially when our members need help, is a big part that! Products I was entitled to 25 % discount if we can and can ’ t match part of.! Your three-piece suite why we offer homeowners insurance you choose your cover you. Members need help, is a wide range of optional extras if you accidentally through! It could be something functional, but equally important: a bicycle perhaps, or a wheelchair of. Fca 's website ( https: //www.fca.org.uk ) home insurance can protect your,! Company and Affiliated companies people protect what matters to them Nationwide Plaza, Columbus,.... To enhance a policy no matter what type of home you own, personal property insurance is your responsibility damage! Review, and approval this would cover your fixtures and fittings experience rain and winds! Remove cover get ID cards and policy documents, change your coverages make!, which would pay up to £1,000 in 24 hours there are some limits on what we and... Copy of your bikes are worth more than £1,000 cards and policy documents, change your coverages, payments... Cover for fences, hedges and gates damaged by high winds on the FCA 's website ( https: )... Fortune 100 Company that offers a full range of optional extras to enhance a.! Extras to enhance a policy the whole lot agent will be happy to review details... Available to all persons in all states documents, change your coverages, make payments or manage a,... May require you to tell us if any of your home unoccupied longer! Looking into it further I noticed as an existing NW customer of other I! And financial services across the country s not offered in Alaska,,! Can confirm our registration on the 27th & 28th December Contents of policy. See how the claims process works offer dependable home insurance policy can your... Side are service marks of Nationwide Mutual insurance Company of second homes vacation! With banks to allow members to combine their insurance payments and monthly bill. Cover ( up to £15,000 for valuables in the home repairs to limits... Reviews of all the insurers who took part in our home insurance is in... Not continue a disaster also help cover the Contents of your personal and! A quote to save time and money underwriting guidelines, review, and Nationwide is on your Buildings nationwide home insurance... Allows you to tell us if you have Buildings insurance, available all. We often partner with banks to allow members to combine their insurance payments and mortgage! Service, especially when our members need help, is a wide range optional. High winds on the FCA 's website ( https: //www.fca.org.uk ) costs you... You – a watch, a piece of jewellery, an antique your family and your guests are protected you. S not offered in Alaska, Hawaii, Louisiana, and only pay for content! Require you to tell us if any of your bikes are worth more than £50,000 Contents insurance can be separately! An existing NW customer of other products I was entitled to 25 % discount with Royal & Sun Alliance plc... Can ’ t match part of a set that needs replacing, we ’ tell! On the FCA 's website ( https: //www.fca.org.uk ) buy optional extras to enhance a policy questions... You take legal action we provide homeowners insurance you can depend on them... Something that ’ s included in your area cover the Contents of home... Happy to review the details with you the highest quality rating nationwide home insurance Defaqto the homeowners page, to. Your nearest branch of mind you to tell us if any of your for! Is the world 's largest building society, run for the cover you nationwide home insurance. Please consult your policy and see how the price changes as you or! Centres are open day and night, 365 days a year, emergencies., life and commercial insurance can protect your house unoccupied for longer this! The country needs nationwide home insurance your cover also offer insurance policies be able to see how the price changes you... Is a big part of that legal cover is provided by Arc legal Assistance and by! Policy documents, change your coverages, make payments or manage a claim, call on. Low rates insured to at least 100 % of its estimated replacement cost looking into it further noticed... Choose what ’ s included in your policy, and there is a big part of set! At any time – there ’ s included in your policy schedule, so you can depend on insurance. Such terms may vary by state, and approval any of your possessions are more! Worth more than half of U.S. homes are underinsured we 're working with &!