REPLACEMENT COST
It’s nice to know that when something goes wrong, your coverage goes the distance.
We strive to exceed your expectations and provide service with a human touch.
We promise to explain your coverage and answer all your questions.
We’ll be there–night or day–when you need us the most.
We'll give you a choice of coverages that works best for you.
We’ll help pay for additional living expenses, if you have to live somewhere else while your home is repaired.
We offer personal liability protection anywhere in the world. It can help protect you if you hurt someone or damage someone’s property.
It’s nice to know that when something goes wrong, your coverage goes the distance.
Many homeowners don’t realize that actual cash value policies subtract for wear and tear and depreciation.1
With our Guaranteed Replacement Cost coverage, you’re covered — even if you need to rebuild your entire home.2
1About sixty percent of homes are undervalued - and potentially underinsured - by 17%, according to Marshall & Swift/Boeckh, a leading provider of building cost data to real estate professionals.
2Guaranteed Replacement Cost applies to dwelling and requires home improvements over $5,000 to be reported within 90 days - not available with all policies and in all states. Coverage of costs to comply with laws or ordinances is subject to limits. Depreciation will be deducted until repair or replacement is made. Talk to an IR agent for more information.
Every home is different, so get what's right for yours.
Select the coverages you’d like to discuss and we’ll add them to your quote request. Our agents will help you choose the right coverage levels for your home.
Coverage for backup through sewers, drains and sump pumps.
Coverage for personal liability claims (in case you hurt other people or their property).
Coverage to help you recover after identity theft or fraud.
Coverage for damage to underground service and utility lines from your house to the curb.
We have more than 13,000 agents dedicated to helping you choose coverage that’s right for you.
You can count on our agents to help you make good decisions about your insurance protection.
You might be uneasy about starting a claim, but our agents will guide you through the claims process.
Start with competitive prices, then add more ways to save.
20%
A typical multi-policy discount is around 20%. There may be differences by state.
IR offers multi-policy discounts from 16% to 25%, depending on your state, when you insure your auto and home with us.1 Ask about IR’s multi-policy discount and other discounts to see what you could save.
1Savings are based on individually purchased policies. Discounts subject to eligibility criteria and rates and rules in effect at the time of purchase. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our for more information.
If you get a home insurance quote 7 to 60 days before your policy renews, the savings could be yours.
Save on your auto and homeowners insurance with a qualified life insurance policy.
*All discounts are subject to eligibility criteria and applicable rates and rules. Actual savings vary. IR® life insurance products and services are provided by IR Family Life Insurance Company, a member of IR Insurance Group, and are not available in New York.
See what our customers have said about IR's home insurance and claims service.
"Contacted my agent, he filed my homeowners claim, and an adjuster contacted me the same day. Could not be simpler or more timely."
Robert P.
Bensalem, PA
"IR will be my insurance company for the rest of my life. They really helped me through one of the most traumatic experiences of my life."
Andrew J.
Clarksville, TN
"Great service and my adjuster walked me through the whole process. Very pleased, thank you for making a bad situation better."
Cassidy B.
Washington, DC
We believe the proof is in the policy.
Our home insurance base policy includes many features that are better than a typical competition policy.1 Talk to an agent about IR’s home insurance coverage.
| Feature | IR's Base Policy1 | Typical Competitor Policy2 |
|---|---|---|
| 100% Guaranteed Replacement Cost3 |
Better True guaranteed replacement cost |
Limited Extended coverage with limits and qualifiers |
| Personal Property Coverage |
Better Extensive coverage, fewer exclusions |
Limited Fewer covered incidents, more exclusions |
| Theft |
Better Coverage includes lost or misplaced items |
Limited Fewer items covered, more exclusions |
| Coverage for Valuables |
Better Ample limits for jewelry, watches, precious stones and firearms |
Limited Lower limits for theft only |
| Gift Card and Gift Certificate Reimbursement Coverage4 |
Better Coverage includes reimbursement for gift cards purchased at a local business that has permanently closed |
Maybe Typically not covered (or restricted if covered) |
| Animals, Birds and Fish |
Better Covered to $500 |
Maybe Typically not covered (or restricted if covered) |
| Cash and Precious Metals |
Better Covered to $500 |
Inadequate Covered, but less than 50% of IR’s dollar value |
| Coverage for Hard-to-Replace Items |
Better Covered items include accounts, bills, deeds, passports, etc. |
Limited Restrictive list of covered items, with significantly lower dollar limits |
1The information is a summary and does not include all coverages and benefits available through an IRSecure Home® policy or apply to all states. Coverages, benefits, limits and deductibles will vary. Conditions, exclusions and limitations will apply. Refer to our disclaimer for more information. Talk to an IR agent for state specific policy information.
2Based on a comparison of IR’s major competitors.
3Guaranteed Replacement Cost requires home improvements over $5,000 to be reported within 90 days—not available with all policies and in all states. Coverage of costs to comply with laws or ordinances is subject to limits. Depreciation will be deducted until repair or replacement is made. Talk to your IR agent for more information.
4Reimbursement for up to $250 per gift card purchased at local businesses within 100 miles of policyholder’s residence if the business permanently closes within a year after the purchase. Limited to $500 per policy period.
