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Costco residence insurance coverage comes from a accomplice firm referred to as Connect, which is a part of the American Family Insurance group. Anyone can purchase Connect householders insurance coverage, however Costco members get a particular low cost and can also be eligible for a few further perks akin to protection for locksmith service in the event you’re locked out of your house.

Connect presents a variety of protection choices to select from, plus reductions for issues like smoke alarms, bundling a number of insurance policies and renewing your coverage.

Connect residence insurance coverage star score


NerdWallet score 

NerdWallet’s rankings are decided by our editorial group. The scoring components takes into consideration client grievance and buyer satisfaction information.

Connect householders insurance coverage earned 4 out of 5 stars for total efficiency. NerdWallet’s rankings are decided by our editorial group. The householders insurance coverage scoring components takes into consideration coverage protection choices and reductions, ease of submitting a declare, web site transparency, the monetary energy of the corporate, grievance information from the National Association of Insurance Commissioners and extra.

State availability

Connect can present insurance coverage choices for Costco members in all states, although some insurance policies could come from associates or third events.

Costco residence insurance coverage protection

You can customise your householders coverage with quite a few add-ons, however under are the varieties of protection that typically come commonplace:

Pays to restore or rebuild the construction of your house.

Covers harm to unattached constructions akin to a shed or fence.

Pays to restore or substitute private belongings akin to furnishings or clothes.

Pays for lodge stays, restaurant meals or different bills if you must dwell elsewhere whereas your house undergoes lined repairs.

Covers authorized bills and damages in the event you’re liable for accidents to different individuals or their property.

Covers accidents to company in your house, no matter fault.

Depending in your state, a Costco householders insurance coverage coverage from Connect can also embody protection for:

  • Identity theft. This pays as a lot as $5,000 that will help you recuperate in case your id is stolen. Learn extra about id theft insurance coverage.

  • Credit card or examine fraud. This covers losses as a result of your bank card being stolen or hacked, in addition to examine fraud, with no deductible.

  • Food spoilage. If your meals spoils as a result of an influence outage, Connect will substitute as much as $500 value of groceries with no deductible.

In most states, your coverage will even embody alternative value protection on your private belongings. This means in case your stuff is stolen or destroyed, the corporate can pay sufficient so that you can substitute it with brand-new gadgets. Without alternative value protection, you could possibly find yourself getting much less cash for older gadgets as a result of depreciation.

Costco Executive members obtain extra advantages in lots of states, together with:

  • Glass restore reimbursement, which can pay as much as $1,000, twice a yr, to repair damaged home windows.

  • Home lockout help, which covers as much as $100 for locksmith companies, twice a yr, in the event you’re locked out of your house.

Connect additionally presents a number of varieties of non-obligatory protection that you simply might be able to add to its residence insurance policies, relying on the place you reside.

  • Earthquake: Covers harm to your house and belongings from an earthquake.

  • Mine subsidence: Pays for harm to a constructing positioned over a mine. This consists of settling, basis cracks or the collapse of your home.

  • Home media tools: Offers further protection for gadgets like TVs, Blu-ray gamers, cameras and cell telephones. This protection is bought in increments of $2,500, $5,000 and $10,000.

  • Adventure tools: Covers gadgets akin to golf golf equipment, skis and bikes with out value determinations or a deductible.

  • Backup and overflow: Pays for harm from a sump pump failure or sewer backup.

  • Personal harm: Covers claims towards you for points akin to slander, libel and wrongful eviction.

  • Service line: Pays for harm to utility strains or pipes that join your house to the road.

  • Scheduled private property: Adds further protection for valuables akin to jewellery, musical devices or nice artwork. You could must have an expert do an appraisal to evaluate every merchandise’s worth.


Costco members get an unique low cost on Connect residence insurance coverage in most states. You can also have the ability to save in your premium by:

  • Insuring a comparatively new residence.

  • Filing no claims throughout the previous 5 years.

  • Adding protecting gadgets like smoke alarms, deadbolt locks, safety alarms, a sprinkler system or hearth extinguishers.

  • Bundling a number of Connect insurance policies.

  • Replacing your roof or renovating your plumbing, electrical or heating and cooling techniques.

Consumer complaints

Connect had greater than the anticipated variety of complaints to state regulators relative to its measurement for residence insurance coverage, in accordance with three years’ value of information from the National Association of Insurance Commissioners.

Consumer expertise

Website: Costco’s web site has comparatively little details about its insurance coverage insurance policies, however the Connect web site for Costco members presents extra particulars, plus on-line quotes and declare submitting. You can use your on-line account to make funds, add paperwork and think about coverage particulars.

Customer service: Costco members can name 877-658-1936 or 888-404-5365 for buyer help. Alternatively, they will attain out to [email protected].

Executive members who’re locked out of their residence can name 866-641-5443.

Where Costco residence insurance coverage stands out

Benefits for Costco members. Depending in your degree of membership and the place you reside, you could possibly be eligible for a premium low cost and a few small protection perks.

Replacement value protection for private belongings in most states. If a fireplace destroys the couch you’ve had for 8 years, Connect will typically pay sufficient so that you can substitute it with a brand-new one. Without alternative value protection, you’d obtain the precise money worth of your couch, which might mirror depreciation. Many corporations cost further for alternative value protection.

Where Costco residence insurance coverage falls brief

Consumer complaints. Costco’s insurance coverage supplier, Connect, attracts a better quantity of client complaints than anticipated for a corporation of its measurement.

Is Costco residence insurance coverage best for you?

If you’re already a Costco member, it could be value getting a quote to see whether or not it can save you cash on your house insurance coverage by switching. But you don’t should be a Costco member to get Connect householders insurance coverage — and the low cost will not be well worth the $60 Costco membership charge in the event you received’t reap the benefits of every other Costco member advantages.

Other residence insurance coverage corporations to think about

Not able to decide? You could also be fascinated with these different householders insurance coverage corporations:

  • Geico: Sells residence insurance coverage by third events.

  • Safeco: Solid residence insurance coverage insurance policies with customizable options.

  • State Farm. Well-established insurer with an extended checklist of protection choices.

Frequently requested questions

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