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Homeowners Insurance

Your home it’s your favorite place to lie down at night and rise to the sun in the morning. Find out how we can help you protect it. 


We strive to exceed your expectations and provide service with a human touch.

No gray areas

We promise to explain your coverage and answer all your questions.

24/7 support

We’ll be there–night or day–when you need us the most.

We've got you covered

We'll give you a choice of coverages that works best for you.

Living expenses

We’ll help pay for additional living expenses, if you have to live somewhere else while your home is repaired.

Protection away from home

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.

IR's guaranteed replacement cost goes the distance to protect you, while typical competitors only cover the Actual Cash Value leaving you to pay the rest out of pocket.


Guaranteed replacement cost. No surprises.

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.

Customize Your Coverage

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.

Water Backup & Sump Overflow

Coverage for backup through sewers, drains and sump pumps.

Personal Liability

Coverage for personal liability claims (in case you hurt other people or their property).

Identity Recovery

Coverage to help you recover after identity theft or fraud.

Service Line Protection

Coverage for damage to underground service and utility lines from your house to the curb.

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Our Agents

We have more than 13,000 agents dedicated to helping you choose coverage that’s right for you.

Licensed Professionals

You can count on our agents to help you make good decisions about your insurance protection.

Local Presence

Our agents have offices in your neighborhood and are a part of your community.

Claims Assistance

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.


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.

Featured Ways to Save*

A discount is available when you install smoke alarms, a burglary alarm system or an automatic sprinkler system in your home.

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.

Customer Testimonials

See what our customers have said about IR's home insurance and claims service.

Agent Support

"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

Service Focus

"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

"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
Extended coverage with limits and qualifiers
Personal Property Coverage Better
Extensive coverage, fewer exclusions
Fewer covered incidents, more exclusions
Theft Better
Coverage includes lost or misplaced items
Fewer items covered, more exclusions
Coverage for Valuables Better
Ample limits for jewelry, watches, precious stones and firearms
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
Typically not covered (or restricted if covered)
Animals, Birds and Fish Better
Covered to $500
Typically not covered (or restricted if covered)
Cash and Precious Metals Better
Covered to $500
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.
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.


See related stories from our blog Learn about IR Insurance and get an online auto quote. IR sells auto, home, business and life insurance through independent agents. See why people choose IR time and time again.