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There's a world of unexpected adventures, but with PEMCO, you don't have to worry about them following you home. From fire to burglary to burst pipes, PEMCO's customized insurance policies can cover your home inside and out.

Home Insurance Discounts


What's covered with my home insurance?

With PEMCO, your home is protected inside and out. We can help with damage to your home's structure, your belongings, medical costs from accidents and can shield you from liability. Like most policies, it doesn't cover floods, earthquakes or normal wear and tear.

Rocking chairs on a porch of a house.

Coverage from your foundation to your roof

The exterior structure, interior finishes and any upgrades you've made to your property are covered under our policies.

Dwelling Coverage

This can pay to repair or rebuild your home's foundation, roof, windows, walls or plumbing if it's damaged or destroyed.

Other Structures Coverage

This optional coverage pays to repair or rebuild other damaged structures on your lot, such as a detached garage, shed or playhouse.

Loss of Use Coverage

We're here to help you and your family get back to normal when you're repairing your home after a disaster. This coverage helps pay your living expenses if you can't stay in your house while it's being repaired or rebuilt.

A home office with a record collection.

Protecting the things you love

PEMCO protects your things, including furniture, appliances and clothing. You can also add extra coverage for expensive items like jewelry, guns or computers.

Furniture and Appliance Coverage

Your furnace should keep you warm, not make you sweat. PEMCO covers your home's furniture and large appliances, such as your water heater, oven or refrigerator, in the event they're damaged during a covered loss.

Personal Belongings Coverage

This coverage will protect your personal property in your house like clothing, books, kitchen equipment and other items under your roof. It also covers these things when you travel. For expensive items, like jewelry and computers, you'll want to talk with your PEMCO agent to be sure you're covered.

Replacement Cost Coverage

This coverage pays what it will cost you to replace your belongings at today's prices (instead of what you paid originally or the item's depreciated value). Talk to your agent for details.

A contractor repairing a wall.

Coverage from catastrophes

You can't predict when a personal disaster may strike, but PEMCO protection is ready and waiting to help.

Help after a Disaster

Your policy covers most damages to your home or belongings from events such as fire, smoke, storms, or crimes like vandalism or burglary. Your coverage also accounts for sewer backups, up to $5,000, at no additional cost. Like most policies, this does not cover floods, earthquakes, or normal wear and tear.

Kids playing in a backyard.

Protecting you from liability claims

If you're found legally liable for an injury or damage that happens on your property, PEMCO can help defend you.

Personal Liability Coverage

We can help defend you if you're held legally liable when someone is hurt or something of theirs is damaged, while you're on their property or they're on yours.

Medical Payments to Others Coverage

No matter whose fault it is, this coverage helps pay medical bills for a guest injured at your home. It also covers you if you accidentally injure someone when you're on their property.



No, they're not covered by our renter, condo or homeowner policies. We understand the need for this important coverage, and PEMCO Agency can help you secure a quote with a specialized earthquake insurance carrier. Please call 1-800-467-3626 to learn more.​
Damages due to environmental flooding (water outside the home) aren’t covered by renter, condo and homeowner policies. Flood insurance is available through the National Flood Insurance Program. Our professionals at PEMCO Agency can help you get a policy. For more information, call 1-800-467-3626. ​
To make sure you have the right level of coverage for these specific items, please contact us​.​
Your home is being insured for what it would cost to rebuild it. Some of the factors we review include geography, cost of materials and labor, ease of access to the site, etc. It's different than an assessed or appraised value. ​

You and your neighbor should both file a claim with your own insurers. Your policy's liability section may provide coverage if you've been negligent in taking care of the tree, and that negligence contributed to the tree falling. 

The policy will provide coverage for the damage to your home. Debris-removal coverage also will be available, up to $2,000, since the tree damaged a covered structure.​

Wildfire mitigation actions taken by you are important, and we consider them when we are reviewing the wildfire risks associated with your property during our review of your application.  Such actions are not a guarantee that we will issue a policy. 
Wildfire mitigation action does not directly impact the premium you pay. However, wildfire mitigation actions taken by you are important, and we consider them when we are reviewing the wildfire risks associated with your property. Such actions are not a guarantee that we will renew your policy.
Your Loss of Use provision will help you with living expenses if you can't live in your home. It can also be triggered without damage to your home if the authorities order an evacuation. If you're evacuated, once you've reached a safe location, please call us at 1-800-467-3626.​