Learn how Costco home insurance options work in 2026, including member discounts, coverage features, eligibility, state availability, and factors that can affect policy terms. This guide explains what Costco members should know when reviewing home insurance information and comparing available coverage options through participating insurance providers.
Costco offers home insurance through participating third party insurance providers, giving eligible members access to personalized coverage and potential member discounts. In 2026, Costco’s home insurance information includes coverage options for dwellings, detached structures, and personal property, along with optional protections such as water backup and equipment breakdown coverage. Availability, pricing, discounts, and policy terms can vary by state and individual circumstances. Executive Members may also have access to certain additional home insurance benefits, although these are subject to eligibility and geographic restrictions. This guide explains how Costco home insurance works, what coverage features may be available, and what factors to review when researching options.
Costco does not directly underwrite home insurance policies. Its home insurance program is offered through licensed third party insurance providers and made available through Costco Insurance Agency. Current Costco information identifies American Family Insurance as the provider associated with its auto and home insurance offerings.
Costco members may find several features worth reviewing:
Home insurance generally provides different types of protection for a property and belongings. Costco's current information describes dwelling coverage for the home and attached structures, detached structures coverage for other structures on the property, and personal property coverage for belongings such as furniture, electronics, and clothing.
Additional coverage options may include:
The availability and terms of these options can differ by state and policy.
Costco currently states that members may receive an exclusive discount on eligible auto and home insurance when they switch, although eligibility and underwriting requirements apply. The company also notes that discounts, pricing, benefits, and availability can vary by state.
When researching a potential discount, consider:
A discount should be considered alongside the overall coverage and policy terms rather than viewed separately.
Some Costco Executive Members may have access to additional home insurance benefits. Costco currently lists Home Lockout Assistance and Home Glass Repair Reimbursement among certain Executive Member benefits. These benefits are subject to state, policy, and underwriting conditions and are not available everywhere.
Important details to review include:
Home insurance needs vary based on the property, location, coverage requirements, and personal circumstances. Reviewing the policy details carefully can help clarify what is and is not covered.
Consider checking:
Costco states that products, pricing, discounts, benefits, and availability may change and that exclusions can apply.