Homeowners

About 30 to 40 percent of homeowners are overpaying by $100 to $2,000 per year. Clover’s algorithm-driven platform simplifies the homeowners insurance process. It goes through data points, such as fires, tornados, and hail, and creates policies that you can easily adjust and access. With our policies saving about 50 percent of customers’ money, we look to protect our customers and save them money.

All of the insurance carriers Clover works with have a rating of “A-” or better by global credit rating agency A.M. Best. With Clover’s strong relationships with established carriers, worrying about being covered won’t have to be on your to-do list when the going gets tough.

Clover homeowners insurance covers the full cost of replacing your home, with no deduction for depreciation and no dollar limit. As well as covering your home, Clover homeowners insurance policy covers the following:

Other Structures: Covers structures on your property that are not attached to the main dwelling, such as a storage shed, barn, fence, detached garage or guest house.

Personal Property: Covers damage to or loss of personal property. This includes household contents and other personal belongings owned by you and your family, as well as outdoor personal property, such as patio furniture or a lawn mower.

Living Expenses: Covers the expenses of staying at a hotel or another location if your home is damaged and you can’t live there while it’s being repaired.

Personal Liability: Covers you if a claim is made or a suit is filed against you for accidents that occurred on property that you own or rent. The insurer will provide your defense at the insurer’s expense, even if the suit is without merit or is fraudulent.

Medical Expenses: Covers medical payments, such as X-rays, surgical procedures, and hospital stays, if someone is accidentally injured on your property and you are not legally liable for their injury or damages.