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        Check out all the different benefits and discounts that we offer through CONNECT. From auto to home insurance, we've got you covered.

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    Understanding Coverage Options
    • Learning Center
      • Auto
      • Home & Renters
      • Disaster Preparedness
      • Understanding Insurance
        • Insurance coverage
          • What Does Home Insurance Cover?
          • Roof coverage
          • Is an umbrella insurance policy right for you?
          • 4 questions to ask about car and home insurance when you move
          • Home market value vs. replacement cost
          • Homeowners insurance declaration page
          • Actual cash value of a total loss vehicle
          • Insurance for college students
          • Old car insurance: effective coverage for your aging vehicle
          • Understanding property damage mitigation
          • Understanding replacement cost coverage
          • Home Insurance deductible
          • Understanding your car insurance deductible
          • Water damage insurance claims vs. flood claims
          • Understanding negligence and liability
          • What to know when shopping for car insurance
          • Car storage insurance
          • Become street savvy: earn a defensive driving discount
          • Utility trailer insurance
          • Auto insurance for your rental car
          • How to add a driver to car insurance
          • Do you need rental reimbursement coverage?
          • A drive-by look at CONNECT roadside assistance
          • What does car insurance cover?
          • Understanding excluded drivers and your auto insurance policy
          • Am I insured if I borrow a car?
          • Tips for working with your insurance adjuster
          • Understanding electronics insurance
          • Condo insurance vs. townhome insurance
          • Liability car insurance: understanding liability limits
          • Medical payments to others vs. personal liability coverage
          • Personal property insurance
          • Solar panel insurance FAQ
          • Water backup coverage and how to fortify your home
          • Do I need an umbrella policy?
          • International car insurance
          • Scheduled personal property
          • Flood insurance coverage
          • What is umbrella insurance?
          • Event insurance
          • Condo insurance explained
          • Umbrella policy for renters
          • Contents insurance
          • Uninsured motorist coverage
          • What is renters insurance?
          • Directors & officers insurance
          • Payment holidays
          • What is specialty insurance?
          • Summer RV Preparation Checklist
          • Umbrella insurance for when your home liability runs out
          • Identity theft protection tips
        • Insurance Rates
        • Insurance terms
      • Florida Hurricane Mitigation Discounts
    • Learning Center
      • Auto
      • Home & Renters
      • Disaster Preparedness
      • Understanding Insurance
      • Florida Hurricane Mitigation Discounts
    1. Home
    2. Learning Center
    3. Understanding Insurance
    • Learning Center
      • Auto
      • Home & Renters
      • Disaster Preparedness
      • Understanding Insurance
        • Insurance coverage
          • What Does Home Insurance Cover?
          • Roof coverage
          • Is an umbrella insurance policy right for you?
          • 4 questions to ask about car and home insurance when you move
          • Home market value vs. replacement cost
          • Homeowners insurance declaration page
          • Actual cash value of a total loss vehicle
          • Insurance for college students
          • Old car insurance: effective coverage for your aging vehicle
          • Understanding property damage mitigation
          • Understanding replacement cost coverage
          • Home Insurance deductible
          • Understanding your car insurance deductible
          • Water damage insurance claims vs. flood claims
          • Understanding negligence and liability
          • What to know when shopping for car insurance
          • Car storage insurance
          • Become street savvy: earn a defensive driving discount
          • Utility trailer insurance
          • Auto insurance for your rental car
          • How to add a driver to car insurance
          • Do you need rental reimbursement coverage?
          • A drive-by look at CONNECT roadside assistance
          • What does car insurance cover?
          • Understanding excluded drivers and your auto insurance policy
          • Am I insured if I borrow a car?
          • Tips for working with your insurance adjuster
          • Understanding electronics insurance
          • Condo insurance vs. townhome insurance
          • Liability car insurance: understanding liability limits
          • Medical payments to others vs. personal liability coverage
          • Personal property insurance
          • Solar panel insurance FAQ
          • Water backup coverage and how to fortify your home
          • Do I need an umbrella policy?
          • International car insurance
          • Scheduled personal property
          • Flood insurance coverage
          • What is umbrella insurance?
          • Event insurance
          • Condo insurance explained
          • Umbrella policy for renters
          • Contents insurance
          • Uninsured motorist coverage
          • What is renters insurance?
          • Directors & officers insurance
          • Payment holidays
          • What is specialty insurance?
          • Summer RV Preparation Checklist
          • Umbrella insurance for when your home liability runs out
          • Identity theft protection tips
        • Insurance Rates
        • Insurance terms
      • Florida Hurricane Mitigation Discounts

    Understanding Insurance Coverage

    Choosing the right insurance coverage means understanding your options. Find your need-to-know insurance information here.

    • What Does Home Insurance Cover?

      What does basic home insurance cover? Understand the basics of home insurance and what a typical policy covers with CONNECT.

      What Does Home Insurance Cover?

    • Roof coverage

      What does homeowners insurance cover when it comes to roofs? Learn more about roof damage and replacement, including wind and hail damage deductibles.

      Learn more about roof insurance coverage

    • Is an umbrella insurance policy right for you?

      An umbrella insurance policy covers you when the limits on your auto or home policies have been exhausted. See if umbrella insurance is right for you.

      Learn more about umbrella insurance policies

    • 4 questions to ask about car and home insurance when you move

      Moving to a new home? CONNECT provides you with the four questions you need to ask about home and car insurance when you move.

      Learn more about car and home insurance when you move

    • Home market value vs. replacement cost

      When determining how much to insure your home for, it's important to understand the difference between your home's market value and its replacement cost.

      Learn more about home market value

    • Homeowners insurance declaration page

      A homeowner's declaration page outlines your insurance coverage. Take a look at this guide for a simple breakdown of your homeowner insurance terms.

      Learn more about a homeowners declaration page

    • Actual cash value of a total loss vehicle

      If your car is deemed a total loss vehicle after an accident, it's important to know how to calculate actual cash value.

      Learn more about actual cash value

    • Insurance for college students

      Wondering about insurance for college students? From student renters insurance to car insurance for college students – get answers to your coverage questions.

      Learn more about insurance for students

    • Old car insurance: effective coverage for your aging vehicle

      If you drive an older car, you may be able to adjust your coverage to save money.

      Learn more about insurance for older cars

    • Understanding property damage mitigation

      Do you know how to prevent additional property damage when filing a home insurance claim? Understand how property damage insurance works with CONNECT.

      Learn more about property damage mitigation

    • Understanding replacement cost coverage

      Review this breakdown to understand how replacement cost coverage works. Plus, learn the differences between Replacement Cost and Actual Cash Value.

      Learn more about replacement cost coverage

    • What is a home insurance deductible?

      When it comes to your home insurance, it’s important to have a solid understanding of what an insurance deductible is and how it works. Find out that and more now.

      Learn more about home insurance deductibles

    • Understanding your car insurance deductible

      Learn how your car insurance deductible works and how it affects your insurance premium. Raising your deductible can even help lower your premium.

      Learn more about car deductibles

    • Water damage insurance claims vs. flood claims

      Has water damaged your home? Determine if you need to file a water damage insurance claim or a flood damage insurance claim with our helpful guide.

      Learn more about water vs. flood damage

    • Understanding negligence and liability

      Understanding negligence and liability can be tricky. We break it down and answer common questions including: What is negligence?

      Learn more about liability

    • What to know when shopping for car insurance

      Shopping for car insurance? You may be feeling the stress. Let us help you figure out what you need to know before getting an auto insurance quote.

      Learn more about shopping for car insurance

    • Car storage insurance

      When you put your vehicle in storage, you want it to be properly insured.

      Learn more about car storage insurance

    • Become street savvy: earn a defensive driving discount

      Protect yourself and your wallet. Learn how to earn a defensive driving discount with these tips from CONNECT.

      Learn more about defensive driving discounts

    • Utility trailer insurance

      If you have asked yourself “do I need insurance for a trailer?”, we can help you decide. Learn more about adding utility trailer insurance to your auto policy.

      Learn more about utility trailer insurance

    • Auto insurance for your rental car

      More than 60 percent of consumers are unaware their auto policy provides rental car coverage. Here’s what you need to know about rental car insurance.

      Learn more about rental car insurance

    • How to add a driver to car insurance

      There are a number of reasons why you may need to add a driver to car insurance. Follow these tips to help guide you to getting proper protection for all.

      Learn more about adding a driver to insurance

    • Do you need rental reimbursement coverage?

      What is rental reimbursement? Find out about coverage for car rental reimbursement and how it can come in handy in the event of an accident.

      Learn more about rental reimbursement

    • A drive-by look at CONNECT roadside assistance

      Whether you have a flat tire or a dead battery, roadside assistance can come in quite handy. Learn more about CONNECT's roadside assistance.

      Learn more about roadside assistance

    • What does car insurance cover?

      What does car insurance cover? Every driver should know. Get the answers to your questions from CONNECT.

      Learn more about what car insurance covers

    • Understanding excluded drivers and your auto insurance policy

      Does someone in your household have a separate policy or a poor driving record? Here’s what an excluded driver on insurance means for your auto policy.

      Learn more about excluded drivers

    • Am I insured if I borrow a car?

      Have you wondered: can someone else drive my car under my insurance or vice versa? When you borrow a car, you may also borrow car insurance.

      Learn more about insurance while borrowing a car

    • Tips for working with your insurance adjuster

      If you have a claim, an insurance adjuster will need your help to resolve it.

      Learn more about insurance adjuster advice

    • Understanding electronics insurance

      It’s crucial to know whether your home policy includes computer insurance or laptop insurance. Use this guide to understand your electronics insurance coverage.

      Learn more about electronics insurance

    • Condo insurance vs. townhome insurance

      There are many differences when it comes to a townhouse vs. condo – especially insurance policies.

      Learn more about condo vs. townhouse policies

    • Liability car insurance: understanding liability limits

      Learn about liability limits and how they pertain to your liability car insurance policy.

      Learn more about liability

    • Medical payments to others vs. personal liability coverage

      If an accident occurs in your home, you’ll want to have an understanding of guest medical protection.

      Learn more about medical payments to others

    • Personal property insurance

      Personal property coverage from CONNECT protects belongings in your home. Learn more about personal property insurance and replacement cost coverage.

      Learn more about personal property insurance

    • Solar panel insurance FAQ

      If you’re considering solar panels for your home, you’re probably wondering about solar panel insurance.

      Learn more about solar panel insurance

    • Water backup coverage and how to fortify your home

      Basement water damage can happen in a matter of minutes. Learn how water backup coverage and other preventive steps can help reduce water damage in your home.

      Learn more about water backup coverage

    • Do I need an umbrella policy?

      Learn how umbrella insurance works to provide protection so you can answer the common question, “Do I need umbrella insurance?” today.

      Learn more about needing an umbrella policy

    • International car insurance

      Driving abroad? Here's everything you need to know about international car insurance and international drivers’ licenses to help ensure a safe & successful trip.

      Learn more about overseas car insurance

    • Scheduled personal property

      From engagement ring insurance to coverage for other valuable items, protecting your possessions is crucial.

      Learn more about scheduled personal property

    • Flood insurance coverage

      Standard home insurance policies don't cover flood damage. Review our flood insurance FAQ to learn about flood insurance coverage and National Flood Insurance.

      Learn more about needing flood insurance

    • What is umbrella insurance?

      What is umbrella insurance? It's the insurance that protects your assets. Check out the scenarios that may call for an Umbrella Insurance policy.

      Learn more about umbrella protection

    • Event insurance

      If you're hosting a wedding, family reunion or other special event, you may need event insurance. Here's how homeowners and umbrella insurance fit in.

      Learn more about special event insurance

    • Condo insurance explained

      If you own a condominium, or if you plan to buy a condo, it's important to know what kind of condo insurance coverage you'll need.

      Learn more about condo insurance

    • Umbrella policy for renters

      Having additional coverage under an umbrella policy could come in handy, particularly for renters. Find out what an umbrella insurance policy protects.

      Learn more about renters umbrella policies

    • Contents insurance

      Contents insurance provides coverage for your belongings. Learn how home contents insurance works to protect items in your house, condo or apartment.

      Learn more about contents insurance

    • Protection from an uninsured or underinsured motorist

      Learn how your car insurance policy's Uninsured Motorist Coverage helps protect you in case of an accident with an uninsured or underinsured motorist.

      Learn more about uninsured motorist coverage

    • What is renters insurance?

      Ask yourself: Do I need renters insurance? Learn how it helps to protect your personal possessions and find out other benefits of renters insurance today.

      Learn more about why you need renters insurance

    • Directors & officers insurance

      Check out the reasons corporate and non-profit board members and officers may find D&O insurance positively affects their personal insurance policies.

      Learn more about D&O insurance

    • Payment holidays

      Are you missing a chance to celebrate? Find out by learning more about payment holidays.

      Learn more about payment holidays

    • What is specialty insurance?

      Specialty insurance covers unique items. Learn about types of specialty insurance & discover how to stay protected with flood insurance, boat insurance & more.

      Learn more about why you need specialty insurance

    • Summer RV Preparation Checklist

      Is your RV ready for that weekend away or cross-country trek? Follow these 12 steps to get your camper road ready, inside-out.

      Summer RV Preparation Checklist

    • Umbrella insurance for when your home liability runs out

      Umbrella insurance covers you when your home insurance limits run out.

      Learn more about home liability

    • Identity theft protection tips

      Every two seconds someone is the victim of identity theft in the U.S. – learn how to protect yourself with these identity theft protection tips.

      Learn more about protecting your identity

    A.M. Best, the leading independent rater of insurers in the country, has rated the companies within the CONNECT group “A” (Excellent), the third highest of their 15 ratings, for financial strength, stability and soundness of operating performance. Better Business Bereau Accredited Business

    Get an Insurance Quote

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      • Types of Insurance Claims
      • Ways to Report a Claim
    • Learning Center
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    © 2025 American Family Connect Property and Casualty Insurance Company, Inc. All rights reserved.

    CONNECT, powered by American Family Insurance, is the brand name of American Family Connect Property and Casualty Insurance Company and American Family Connect Insurance Company, Madison, WI. Depending on the state, auto policies are underwritten by either company, or by an affiliate, Midvale Indemnity Company, Madison, WI. Property policies are underwritten and issued by affiliates based in Boston, MA, including: Homesite Indemnity Company, Homesite Insurance Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Georgia, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Lloyd’s of Texas, and Homesite Insurance Company of the Midwest. The American Family Connect Insurance Agency, Inc., places policies with related and unrelated companies. Each insurer is solely responsible for the claims on its policies and pays the Agency for policies sold. In Texas, certain property coverages may be underwritten by Ranchers & Farmers Mutual Insurance Company. Prices, coverages and privacy policies vary among these insurers. Each company has sole financial responsibility for its products. Some products, discounts, benefits, and savings may vary, may not be available in all states, and are subject to limitations.

    We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declaration page for complete coverage details.

    CONNECT is not affiliated with Ameriprise Financial, Inc.