Cover your home for what it costs to rebuild — not depreciated value.
Dwelling, personal property, liability, and medical payments. Pick the deductible you can stomach, see your premium move.
What's included
Coverage by default
- Dwelling replacement cost (not actual cash value)
- Personal property at 50% of dwelling by default
- Liability up to $1M
- Medical payments to others
- Loss-of-use (displacement coverage)
- Identity theft restoration
- Equipment breakdown (HVAC, water heaters)
- Ordinance or law (rebuild to current code)
Why us
What you get with RelyvCover home.
Real replacement cost
We rebuild your home, not write a check for the depreciated value of a 20-year-old roof.
Open-perils contents
Most insurers cover only "named perils" for personal property. We default to open-perils — if it's not excluded, it's covered.
No surprise renewals
Your renewal premium is locked unless your rebuild cost or claim history changes. We tell you why every time.
FAQ
Common questions.
Do I need flood insurance separately?+
Yes — like every standard policy, ours excludes floods. We resell NFIP and private flood as add-ons; quote shows you exact pricing for your address.
Is earthquake covered?+
No. We offer earthquake as a separate endorsement in CA, OR, WA, and AK. It typically runs $30-60/mo depending on construction type and proximity to fault lines.
What's "replacement cost" mean?+
We pay to rebuild your house at today's construction costs, no matter how old it is. ACV (actual cash value) policies depreciate everything — yours doesn't.
Ready when you are.
Quote in 90 seconds. No phone calls. No commitment.
Start my home quote