Exploring Your Options: Does Costco Offer Home Insurance?

Understanding Costco's Services: Does Costco Have Home Insurance?

If you have ever wondered, "Does Costco have home insurance?" you are not alone. Many people associate Costco with bulk groceries and household supplies, but the wholesale giant offers a diverse range of services beyond just retail. This includes financial services, travel packages, and even insurance. Let's delve deeper into whether Costco provides home insurance, how it works, and what other insurance products you might find through them.

Does Costco Offer Home Insurance?

Currently, Costco does not directly provide home insurance. However, Costco has partnered with CONNECT, powered by American Family Insurance, to offer home insurance products to its members. This collaboration allows Costco members to obtain quality home insurance at competitive rates. While Costco itself is not an insurance provider, this partnership enables its members to access reliable insurance coverage through a trusted source.

How Does the Partnership with CONNECT Work?

The partnership between Costco and CONNECT works by leveraging the membership base and buying power of Costco to negotiate discounts and favorable terms for its members. Here is how it works:

• Costco Membership Benefits: Members can often access discounted rates and unique policy benefits that are not available to the general public.
• Application Process: Members can get home insurance quotes through the CONNECT website or by calling their customer service, referencing their Costco membership to avail benefits.
• Policy Management: Although you access the insurance through Costco, the actual policy management, including customer service and claims, is handled by CONNECT.

Benefits of Getting Home Insurance through Costco

There are several advantages to getting home insurance through Costco’s partnership with CONNECT, including:

• Member Discounts: As of 2026, Costco members can enjoy up to a 15% discount on their premiums through this partnership.
• Comprehensive Coverage: CONNECT offers robust coverage options that include standard home insurance packages as well as additional endorsements to suit specific needs.
• High Customer Satisfaction: According to a 2025 survey conducted by J.D. Power, American Family Insurance ranked highly in customer satisfaction, which reflects well on its partner services like CONNECT.

Alternative Insurance Products Offered by Costco

Besides home insurance, Costco's partnership with CONNECT also extends to other types of insurance. These include:

• Auto Insurance: Members can bundle home and auto insurance policies to receive additional discounts.
• Renters Insurance: This option is for those who rent their homes but still want to protect their personal belongings and liability.
• Umbrella Insurance: For added protection beyond standard liability limits, this policy offers increased coverage limits and broader protection.

Is It Worth Getting Insurance through Costco?

Deciding whether to get home insurance through Costco depends on various personal factors:

• Cost Savings: The primary appeal of getting insurance through Costco is the potential for cost savings. If you value the discounts and special member services, it could be worth it.
• Convenience: With the ability to handle multiple types of insurance through a single provider, members can save time and manage their policies more efficiently.
• Quality Service: The association with American Family Insurance, a well-regarded provider in the industry, implies a level of reliability and customer service that adds value to this partnership.

How to Get Started?

If you decide to explore insurance options offered through Costco, here’s how you can get started:

1. Check Membership Status: Ensure your Costco membership is active, as you will need your membership number to access discounts and special services.
2. Visit the CONNECT Website: Go to the CONNECT site (formerly Ameriprise) associated with Costco to get a quote.
3. Compare Options: Consider different coverage options, deductibles, and premiums. It may also be helpful to compare with other providers.
4. Contact Customer Service: For personalized advice or information, contact the customer service teams of both CONNECT and Costco.

For more detailed guidance, you can visit the websites of [Costco Insurance](https://www.costco.com/insurance-services) or [CONNECT by American Family](https://amfam.com).

Conclusion

In conclusion, while Costco does not offer home insurance directly, its strategic partnership with CONNECT, powered by American Family Insurance, provides Costco members with the opportunity to secure comprehensive and competitively priced insurance coverage. By understanding the nuances of this partnership, you can make informed decisions about whether this option suits your personal insurance needs.