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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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    Homeowners Insurance Coverage
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    Homeowners Standard Insurance Coverages

    Find Coverage that's Right for You and Your Home

    Home policies provided through CONNECT offer standard coverages for your home and your belongings, plus liability protection. Want more details on a particular coverage? Follow the applicable link for more information. 

    • Dwelling coverage

      At the most basic level, your home is your refuge from the outside world. And if something were to happen to it, you want to make sure you’re able to rebuild or replace it. That’s where dwelling coverage comes in. What is dwelling insurance and what does dwelling insurance cover? Get the facts on insurance for your home’s structure and what it does and doesn’t cover.

      Learn more about dwelling coverage

    • Other structures coverage

      What if a tree falling missed your house but demolished the shed where you keep your lawnmower and yard tools? A standard insurance policy could provide coverage for damages. Other structures coverage, also known as detached structures insurance, typically covers any structures that are located on your home's premises — but that are not directly attached to your home — in the event of a covered loss.

      Learn more about other structures coverage

    • Personal property insurance

      Whether it’s your kitchen table, your television or your clothing, you might have to replace your stuff in the event of a covered loss. Personal property coverage protects your belongings in your home.

      Learn more about personal property insurance and replacement cost coverage

    • Loss of use coverage

      Loss of use coverage is essential if a circumstance arises that causes your home to be uninhabitable and you need to pay for additional living expenses. Find out what loss of use insurance covers.

      Learn more about loss of use coverage

    • Personal liability insurance

      If you’re found liable for property damage or injuries to someone, are you able to cover the associated costs? Learn how personal liability insurance can help.

      Learn more about personal liability insurance

    • Medical payments coverage

      What is med payment insurance? It can help if a guest is injured in your home. Get an understanding of medical payments coverage through CONNECT and how it can protect you from situations that occur on your property.

      Learn more about medical payments coverage

    • Wildfire Defense

      In response to the growing threat of wildfires across the nation, we offer active wildfire protection to home policyholders in certain states. The best part? It’s free of charge. 

      Learn more about this coverage that protects you when you need it most.

    • Wildfire Defense FAQ

      Do you have questions about the Wildfire Defense program offered through CONNECT? We've got answers.

      Wildfire Defense FAQ

    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

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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. Costco Insurance Agency, Inc. is not licensed in New York state. Insurance products are not obtained through the Costco Insurance Agency, Inc. in New York. Costco Wholesale, Costco Insurance Agency, Inc. and its subsidiaries do not underwrite insurance, pay claims or guarantee any of the products or services offered by CONNECT. Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation from CONNECT and/or its affiliates.

    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.