Exploring Homeowners Insurance: Does Costco Have You Covered?

Curious if Costco offers homeowners insurance? Discover how your membership might just unlock exclusive access to unique home insurance options.

Sydney Blunt

13 Mar 2026 • 3 min read

Does Costco Offer Homeowners Insurance?

Many people turn to Costco for its wide array of products, ranging from groceries to electronics and even travel packages. However, when it comes to insurance options, there's often some confusion about what services are actually available. Specifically, one common question is whether Costco offers homeowners insurance. This article delves into the details of what Costco provides in the realm of insurance and helps you understand your options as a homeowner.

Understanding Costco's Insurance Offerings

As of 2026, Costco does not directly offer its own branded homeowners insurance. Instead, Costco partners with insurance companies to provide its members with a range of insurance services, which can often lead to savings due to Costco’s negotiation power on behalf of its members. For homeowners insurance, Costco has partnered with CONNECT, powered by American Family Insurance, to offer exclusive discounts and benefits to its members.

Who is CONNECT and What's Their Role?

CONNECT is an insurance provider that has a longstanding partnership with Costco. As part of the American Family Insurance group, CONNECT is known for delivering reliable insurance services including auto, home, and renters insurance. Their collaboration with Costco allows them to offer unique benefits to Costco members, often showing competitive pricing and enhanced customer service.

What Are the Benefits of Getting Homeowners Insurance Through Costco?

The primary benefit of obtaining homeowners insurance through Costco’s partnership with CONNECT includes significant savings for Costco members. Typically, members receive a substantial discount on their premiums, which can lower the overall cost of home insurance over time. Other benefits include:

Additional Discounts: Members might get discounts based on factors like bundling home and auto insurance or having a good credit score.
Home Insurance Coverage Options: Aside from standard protection, you can add endorsements for incidents such as sewer backups or expensive personal property items.
Dedicated Customer Support: Costco members may have access to a dedicated customer service line that can provide prompt support when needed.

Key Considerations When Choosing Homeowners Insurance

When evaluating the offering from Costco and CONNECT, there are several factors you should consider to ensure you get the best coverage for your needs:

Coverage Limits: Ensure that the policy offers sufficient coverage for your home's value and the contents within.
Deductible Amounts: Higher deductibles can lower your insurance premium, but also mean more out-of-pocket costs in the event of a claim.
Specific Coverage Options: It's important to assess what specific additional coverages are available and whether they might be useful, such as earthquake or flood insurance.

How to Get a Quote for Homeowners Insurance from Costco

If you are interested in obtaining a homeowners insurance quote via Costco, the process is straightforward. Members can visit the Costco website for the insurance services section or directly contact CONNECT. Having your home details, current insurance policy, and membership information ready can streamline this process.

Being proactive and shopping around is advisable, as it helps you to compare the rates and coverage offered by different insurers, ensuring you get the most advantageous terms.

The Importance of Having Homeowners Insurance

Homeowners insurance is crucial as it not only protects your physical home but also offers liability protection. This means if an accident happens at your home, your policy can cover medical expenses or legal fees. Additionally, in the event of unforeseen events like fire, theft, or natural disasters, having comprehensive insurance can be the difference between a total loss or a manageable inconvenience.

Conclusion

While Costco does not directly provide its own homeowners insurance policy, its partnership with CONNECT offers competitive alternatives for potential buyers. If you are a Costco member, leveraging these insurance benefits can provide you with reliable coverage at potentially reduced rates. Always make sure to closely inspect the policy details and compare them to other offers to ensure you're making the most informed decision possible.

For more detailed information, you can refer to current homeowners insurance comparisons and consumer reports from 2026 via J.D. Power and NAIC.