Home Insurance | Affordable. Approachable. All Online.

Affordable. Approachable. All online.

When it comes to home insurance, one size hardly fits all. That's why we let you create the policy that best fits your needs - and your budget. And when you bundle home insurance with another policy, you'll save even more. That's convenience. That's Clever.

Home Insurance Offerings

HOUSE

Single family home, Townhome or Row House

MULTI-UNIT

Condo, duplex, triplex

MODULAR OR MANUFACTURED

Pre-fab home on a basement or permanent masonry foundation - no mobile homes

What's so cool about Clever?

We're glad you asked! Clever Home Insurance is anything but typical.

Flexible coverage so you only pay for what you need and want.
Specific add-ons to cover identity theft expenses and resolution, dwelling and personal property replacement cost, personal injury and more.
Higher or lower deductible based on the amount of monthly premium that you want to pay.

Seeing a pattern? We thought so. The most important part of Clever home policies is that you hold the keys. Figuratively. And literally.

Amp up your policy with add-ons like...

REDUCING PROPERTY DEDUCTIBLE

Should you be rewarded for being loss-free? Absolutely. When you add Reducing Property Deductible to your policy, we'll knock $100 off your deductible every year you're loss-free. And yes, it's possible to get down to no deductible!

INFLATION PROTECTION

Rebuilding your home will cost more today than it did at the time it was originally constructed. We'll help you build the home you had, not a lesser version.

SEWER BACKUP COVERAGE

Nothing positive comes from a backed up drain. From flooring to furniture, the damage can be repaired with this coverage.

IDENTITY THEFT EXPENSE COVERAGE AND RESOLUTION SERVICE

Impersonation is not always flattering and can be quite expensive. It's possible to recover, and having this coverage in place will certainly help during and after an experience with identity theft.

REDUCING PROPERTY DEDUCTIBLE

INFLATION PROTECTION

Rebuilding your home will cost more today than it did at the time it was originally constructed. We'll help you build the home you had, not a lesser version.

SEWER BACKUP COVERAGE

Nothing positive comes from a backed up drain. From flooring to furniture, the damage can be repaired with this coverage.

IDENTITY THEFT EXPENSE COVERAGE AND RESOLUTION SERVICE

Impersonation is not always flattering and can be quite expensive. It's possible to recover, and having this coverage in place will certainly help during and after an experience with identity theft.

Bundle, Bundle, Bundle

When you bundle auto, life, and a home or renters policy together, you'll get our best coverage, lowest rates, and other cool add-ons with our Top Dog discount.

Select the coverage you need to get started.

AUTO

RENTERS

HOME

LIFE