Insurance
Home Insurance
Comprehensive coverage for your home, belongings, and liability.
Coverage
What's covered
Dwelling Coverage
Protects the structure of your home — walls, roof, floors, built-in appliances — against covered perils like fire, wind, and hail.
Personal Property
Covers your furniture, electronics, clothing, and other belongings if stolen or damaged by a covered event.
Liability Protection
Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property.
Additional Living Expenses
Pays for hotel stays, meals, and other costs if your home is temporarily uninhabitable due to a covered claim.
Other Structures
Covers detached garages, fences, sheds, and other structures on your property.
Optional Add-ons
Customize your coverage
Flood insurance rider
Earthquake coverage
Sewer backup protection
Jewelry and valuables rider
Home business coverage
Umbrella liability policy
Why FSCB Insurance
More than just a policy
Replacement Cost Coverage
Replace your belongings at today's prices — not the depreciated value.
Bundle and Save
Bundle home and auto insurance for discounts of up to 20% on both policies.
Local Claims Handling
File and track claims with a local agent who knows the area and can expedite your resolution.
24/7 Claims Support
Report a claim any time, day or night. Our support team is always available for emergencies.
Save More
Available discounts
Many policyholders save significantly through available discounts. Ask your FSCB insurance advisor which ones apply to you.
Claims-free discount
Security system discount
New home discount
Loyalty discount
Multi-policy bundle
FAQ
Common questions
What does home insurance not cover?
Standard policies typically exclude flood, earthquake, normal wear and tear, and pest damage. Riders or separate policies are available for most of these.
How is my premium calculated?
Factors include the home's replacement cost, location, construction type, claims history, credit score, and chosen deductible.
How do I file a claim?
Call our 24/7 claims line or use the FSCB insurance portal online. A local adjuster will be assigned to your claim.
Is home insurance required by law?
Not by law, but mortgage lenders require it. It's strongly recommended even for homeowners without a mortgage.
Get covered today
Talk to a local FSCB insurance advisor — no obligation, just honest guidance.