Costco home insurance provides eligible members with access to homeowners insurance through American Family Insurance and affiliated insurance companies. In 2026, coverage options, discounts, policy terms, and eligibility requirements vary according to the property's location and the insurer issuing the policy.
Costco home insurance is offered through an insurance partnership with American Family Insurance and affiliated insurers. Costco itself does not underwrite homeowners insurance policies or pay claims. Instead, eligible members can explore coverage options and potential discounts through the insurance program.
Depending on the policy, homeowners coverage may include:
Dwelling protection: Coverage for the home's structure against specified covered events.
Personal property protection: Coverage for eligible belongings, such as furniture, clothing, and electronics.
Personal liability: Protection against certain covered claims involving injury or property damage.
Additional living expenses: Help with eligible temporary living costs when a covered incident makes the home uninhabitable.
Other structures: Coverage for eligible detached structures, subject to policy terms.
Available coverage limits, deductibles, and exclusions depend on the policy selected.
Insurance availability depends on the underwriting company, state regulations, property details, and the particular insurance product. American Family Insurance offers homeowners insurance in several states, including Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin. Affiliated insurers may offer property insurance in additional states.
When reviewing state-specific coverage, homeowners should consider the following:
State eligibility: Check whether the insurance program currently accepts home insurance applications in your state.
Local coverage needs: Weather exposure, rebuilding costs, and regional risks may affect the protection required.
Policy availability: The underwriting company and available coverage options may differ by state.
Discount restrictions: Member discounts and Executive membership benefits may not apply everywhere.
Policy exclusions: Certain risks may require separate insurance or additional coverage.
The Costco insurance website states that its member discount is not available for home insurance in Florida and Tennessee. Insurance availability and discounts should be confirmed directly before applying.
Eligible Costco members may qualify for a membership discount when purchasing a qualifying home insurance policy. The discount depends on underwriting requirements and state availability, so not every member will necessarily receive the same savings.
Other potential savings opportunities include:
Multiple-policy discounts: Combining eligible home, auto, or umbrella policies may qualify for additional savings.
Home security discounts: Certain alarms and qualifying sprinkler systems may help reduce premiums.
New home discounts: Some newly constructed or recently purchased properties may qualify.
Roof-related discounts: Eligible roof replacements may affect insurance pricing.
Costco Executive members may also qualify for selected benefits on eligible home policies, including home lockout assistance and reimbursement for certain window glass repairs. These benefits have coverage limits and may not be available in every state.
Homeowners should compare more than the advertised discount when reviewing Costco home insurance. Both the premium and the protection provided matter when selecting a policy.
Before choosing coverage, review:
The estimated cost of rebuilding the home
Coverage limits for personal belongings
The deductible for each covered claim
Personal liability limits
Restrictions on roof and weather-related damage
Whether flood or earthquake insurance is separate
Available discounts and additional benefits
Renewal conditions and possible premium changes
The same property may receive different quotes from different insurers because underwriting criteria and coverage terms vary. Comparing equivalent policies can provide a clearer understanding of the differences.
Eligible members can visit the official Costco insurance website to check availability and begin a quote. The process generally starts with the property's ZIP code and requests information about the home and the coverage required.
Applicants may need to provide:
The property's address and construction year
Information about the roof and building materials
Details of existing security features
An estimate of the home's replacement value
Current insurance policy information
Details about additional coverage needs
After receiving a quote, compare its coverage limits, deductibles, exclusions, and premium with other available policies in the same state.
Costco home insurance in 2026 offers eligible members access to homeowners coverage through American Family Insurance and affiliated insurers. State regulations, underwriting requirements, and property characteristics determine which policies and discounts are available. Although members may qualify for special discounts and additional benefits, availability is not uniform across all locations. Reviewing state-specific options, comparing coverage details, and requesting personalized quotes can help homeowners understand their insurance choices before selecting a policy.