Costco home insurance provides eligible members access to homeowners coverage through American Family Insurance and its affiliated insurance companies. However, plans and benefits are not identical across the United States. The underwriting company, available discounts, policy features, and eligibility requirements may depend on the state where a property is located.
Costco home insurance is offered through American Family Insurance and affiliated property insurers, including companies within the Homesite group. The insurer responsible for a policy depends on the state and the specific product. Some locations have different eligibility requirements or restrictions, so homeowners should confirm availability before choosing a plan.
States listed in published availability information include:
Western states: Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, Washington, and Wyoming.
Midwestern states: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin.
Southern states: Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, and Virginia.
Northeastern and Mid-Atlantic states: Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, and West Virginia.
Other locations: Alaska, Hawaii, and the District of Columbia may appear in some published availability listings.
Availability can vary by insurer, product, and date. A state appearing on a general availability list does not necessarily mean every home insurance plan or member discount is available there. Homeowners should verify current eligibility for their ZIP code.
The specific protections included in a policy depend on the selected plan, underwriting company, and applicable state rules. Homeowners should review the policy documents to understand which losses are covered and what exclusions apply.
Common homeowners insurance coverage categories include:
Dwelling coverage: Helps cover damage to the insured home's structure from covered events.
Personal property coverage: May help pay to repair or replace eligible belongings damaged or lost in a covered incident.
Personal liability coverage: May provide protection when the policyholder is legally responsible for certain injuries or property damage.
Additional living expenses: May help cover eligible temporary living costs when a covered loss makes the home uninhabitable.
Optional coverage: Depending on availability, homeowners may be able to add protections for equipment breakdown, service lines, or other specific risks.
Coverage limits, deductibles, and exclusions vary. For example, standard homeowners policies may treat flooding and certain other risks differently, so homeowners should not assume every type of damage is covered automatically.
State insurance regulations influence the coverage options insurers can offer, how policies are structured, and which discounts are permitted. Costco members may qualify for certain insurance discounts, but eligibility depends on the policy, location, and underwriting requirements.
Before selecting a plan, homeowners should consider:
Member discounts: Confirm whether a Costco membership discount applies to home insurance in the relevant state.
Executive Member benefits: Certain policies may include benefits such as home lockout assistance or reimbursement for eligible glass repairs, subject to limitations and availability.
Deductible options: Compare the amount payable out of pocket when making a covered claim.
Insurer details: Identify the company underwriting the policy and responsible for claims.
Policy exclusions: Review restrictions for specific types of damage and property conditions.
These checks can help homeowners compare plans based on actual coverage rather than relying only on membership benefits.
Costco home insurance plans vary by state, with coverage and policy administration provided through American Family Insurance and affiliated insurers. Available protections, discounts, and additional benefits depend on location, eligibility, and policy terms. Homeowners should confirm that coverage is currently available for their property, identify the underwriting company, and carefully compare limits, deductibles, and exclusions before choosing a plan.