What Does Home Insurance Cover?
From structure to peace of mind — here’s what our home insurance policies can include.
Dwelling Protection
Safeguards your home’s physical structure — including the walls, roof, flooring, and built-in appliances.
Fire & Smoke Damage
Coverage for unexpected fire, smoke, or lightning damage to your home and everything inside it.
Water Damage
Protection against accidental water damage from plumbing, heating, or cooling system failures.
Weather Damage
Covers storm-related events like wind, hail, and other severe weather impacts to your property.
Liability Protection
If someone gets hurt on your property — or if you accidentally damage someone else’s — we’ve got you covered.
Personal Property
Covers what makes your house a home: furniture, clothing, electronics, and other personal belongings.
Not sure what coverage you need? We’ll help you build a policy that fits your life.
Why Families Choose Cherries Insurance
Because peace of mind shouldn't come with fine print or phone calls.
Personalized Coverage
Tailor your policy to fit your exact needs—whether you own or rent. No fluff, just the protection that matters to you.
Transparent Pricing
No hidden fees, no surprise hikes. Just honest rates and clear terms—exactly how insurance should be.
Fast, Human Support
Get quick, clear claims assistance and real help from licensed advisors—only when you need it.
100% Online, Zero Pressure
Skip the calls and paperwork. Get covered online with a process that’s fast, simple, and spam-free.
Home Insurance FAQs
Smart coverage starts with smart answers.
What does home insurance typically cover?
Home insurance usually covers your home’s structure (walls, roof, etc.), belongings inside, liability protection, and additional living expenses if damage makes your home unlivable.
Is flood damage covered by home insurance?
No — standard policies don’t include flood damage. You’ll need a separate flood policy. We can help you figure out if it’s right for your area.
How much home insurance coverage do I need?
It depends on your home’s rebuild cost, your belongings’ value, and any special assets. We can help you choose the right amount of protection.
Are there discounts available for home insurance?
Yes — multi-policy, claims-free, security systems, new homes, and more. Ask us which discounts you qualify for.
What factors affect my home insurance premium?
Things like your home’s age, location, construction type, past claims, credit score, coverage limits, and available discounts all play a role.
How do I file a home insurance claim?
You can file online, through our app, or by calling our 24/7 claims team. We’ll walk you through the process and handle it fast.