Homeowners insurance

Homeowners insurance designed to help protect what matters most.

At Mapfre Insurance, we know your home is more than just a place to live. It’s where memories are made, and what matters most is kept safe. That’s why we’re committed to providing reliable coverage and service, so you can enjoy peace of mind and focus on what truly makes your house a home.

Mapfre offers a range of homeowners insurance options to protect your property and memories. Coverage is available in the following 11 states:

Massachusetts
Connecticut
Rhode Island
New Hampshire
Maine
Vermont
Ohio
California
Oregon
Idaho
Washington

What Mapfre home insurance covers

Although coverage options vary by state, a homeowners insurance policy with Mapfre usually includes the following protections:

Property protection: This coverage helps safeguard your home and belongings from unexpected events such as storms, fire, lightning, equipment or structural failures, falling objects, theft, and vandalism.

Coverage A: Dwelling: Dwelling coverage is part of your homeowners insurance policy and helps protect the structure of your home if things like fire, wind, or hail damage it.

Coverage B: Other structures: Other structures coverage helps protect items on your property that aren’t attached to your house, such as a detached garage, fence, pool, or shed.

Coverage C: Personal property: Personal property coverage helps cover your belongings, like furniture, clothes, and electronics, if they’re stolen or damaged by a covered event.

Coverage D: Loss of use: Loss of use coverage can help pay for extra living expenses, like hotel stays and meals, if you need to move out while your home is being repaired after a covered event.

Coverage E: Personal liability: Personal liability coverage helps protect you if you’re found legally responsible for someone else’s injuries or property damage.

Coverage F: Medical payments: Medical payments to others can help pay for medical bills if someone gets hurt on your property, no matter who was at fault.

Additional coverage for your home

When you want added protection for your home, Mapfre makes it easy to enhance your policy with additional coverages designed to fit your needs. To help you choose what’s best for your needs, here are some coverage options we offer:

Fraud and counterfeit payment protection
Damage to the property of others
Extended property replacement coverage
Home cyber coverage
Home systems protection coverage
Identity fraud expense coverage
Limited water back-up and sump pump discharge overflow coverage
Ordinance or law coverage
Personal injury
Refrigerated property coverage
Service line coverage

Stress-free home claims with Mapfre

When unexpected events affect your home or property, Mapfre is here to help every step of the way. Our dedicated local claims team provides fast and reliable support, ensuring your experience is as smooth as possible.

Take advantage of streamlined repairs and trusted restoration partners who are committed to restoring your home quickly and with confidence.

Select Home Restoration Program

With Mapfre’s Select Home Restoration Program, you can rest easily knowing your home will be repaired by licensed, trusted contractors, and you’ll have guaranteed workmanship you can count on.

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Save with Mapfre homeowners insurance discounts

Protecting what matters most should also be affordable. That’s why Mapfre offers a variety of home insurance discounts to help you save without sacrificing coverage, like multi-policy bundling. Talk to your independent agent today to get a quote on a policy and discover the discounts you may qualify for.

ePics® for Home

You can upload photos directly from your device with ePics® for Home to help us resolve your claim quickly, easily, and on your schedule, so you can get back to what matters most to you in life.

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Common questions about Mapfre homeowners insurance

Why do I need homeowners insurance?

Homeowners insurance helps protect your home if it’s damaged, your personal belongings if they’re stolen, and even covers you if someone gets injured on your property. It’s peace of mind you can count on.

Is homeowners insurance required?

While it’s not required by law, most lenders require it if you have a mortgage, and for good reason: it protects you from life’s “what-ifs.”

How much does home insurance cost?

Costs depend on factors such as your home’s location, size, age, the coverage you choose, and any prior claims. Your independent agent can help you find the right balance between coverage and affordability.

How much home insurance coverage should I have?

Every home is unique. Your independent agent will work with you to customize your policy and coverage limits so you’re fully protected where it matters most.

Can my insurance be canceled during the policy term?

State laws determine when coverage can be canceled. Common reasons include non-payment, the condition of the property, misrepresentation on your application, or if your home becomes high-risk.

What if I can’t get home insurance?

Start by making improvements to your home to reduce risk. You can also contact your state’s insurance department for a list of carriers or consider FAIR Plans, which provide coverage in many states.

How are home insurance premiums determined?

Premiums are based on the risk of unexpected damage and the cost to repair or replace your home.

Why might my premium increase?

Several factors can impact your rate, such as overall industry claim trends, changes to your policy, adding upgrades, or natural disasters.

FAQs for FireLine® Wildfire Hazard Score in California, Idaho, Oregon, and Washington

What is a FireLine Wildfire Hazard Score?

A FireLine Wildfire Hazard Score, developed by Verisk Analytics, is an eligibility tool used by Mapfre Insurance and Auto Club Mapfre Insurance Company to assess wildfire hazard exposure using remote sensing and digital mapping technology. The FireLine Wildfire Hazard Score is also used as a rating factor in California.

How is a FireLine Wildfire Hazard Score calculated?

A FireLine Wildfire Hazard Score is calculated using three components: Fuel Score, Slope Score, and Access Score. Each component is scored from 0 to 5, and the scores are combined for a total possible score of 30, with 30 representing the highest risk. (Formula: Fuel Score x Slope Score + Access Score)

How do wildfire mitigation actions impact the FireLine Wildfire Hazard Score used to calculate my homeowners insurance?

Mitigation actions to reduce the wildfire risk at your property, such as establishing defensible space and any community risk reduction programs, may lower your property’s Fireline score and improve your eligibility opportunities.

Homeowners insurance helps cover damage to both the interior and exterior of your home and offers protection if someone is injured on your property. While you might grasp the basics of your home policy, understanding how your home insurance deductible works in the event of a claim may be less clear. Learn more.

When you should review your home insurance policy

Rising inflation, supply chain issues, and reconstruction and labor costs are among the many factors determine your annual home insurance premium. Because so many things go into calculating your premium, reviewing your home policy each year is a good idea to ensure you get the right coverage and pay the best rate.

The benefits of service line coverage

Whether you have owned your home for years or you are a first-time owner, a regular maintenance schedule is important for the upkeep of every house – no matter what time of the year. Here’s a home maintenance checklist for every season.