Homeowners and Condo Insurance Benefits

Added Benefits, No Deductible

Your identity is stolen. Your credit card disappears. A power outage causes all the food in your refrigerator to spoil. You experience theft.

When life happens, a home insurance policy from Ameriprise Auto & Home Insurance can be your secret weapon. In addition to standard coverages, our homeowners insurance and condo insurance policies include a few extra benefits:

Advisor Client Benefits

  • Ameriprise Financial clients receive an additional discount on auto and home policies simply for your relationship with your advisor.1
  • Ameriprise Financial clients can also take advantage of specialty coverage packages that were created with you in mind.2

Identity Theft Protection

We want to help you if you fall victim to fraud. Our home insurance and condo insurance policies all include identity theft protection as a standard benefit. So, if your identity is stolen, your policy will cover up to $5,000 in costs related to recovering from identity theft.

Learn how to protect yourself from identity theft.

Stolen Credit Card Use or Check Fraud Protection

You open a credit card bill only to discover thousands of dollars in charges you never made. Whether your credit card was lost, stolen or hacked, we have you covered. Homeowners and condo insurance policies from Ameriprise Auto & Home Insurance include coverage for losses due to unauthorized credit card use.3 And, even better, you won't have to pay your deductible on the claim. That's a home insurance benefit worth talking about.

Food Spoilage Protection

A storm. Equipment failure. Construction accident. The causes for power outages are many, but the resulting food spoilage is often the same. If you experience a power outage and the food in your refrigerator spoils, your Ameriprise Auto & Home Insurance policy protects you. We'll cover the replacement of food, up to $500 in value, when it spoils due to power failure.4 Plus, no deductible applies.

Lock Replacement Expense Protection

Your safety matters. That's why we cover the cost of lock replacement if your home has been broken into or you've been victim of theft. Our homeowners insurance and condo insurance policies include lock replacement coverage, up to $100.5 Reclaim your sense of security with this benefit from Ameriprise Auto & Home Insurance.

These benefits are just part of the reason Ameriprise Auto & Home Insurance is affordable insurance, handled with care.


1 Multi-product discount is not available in CA and NC.

2 Personal property packages not available in NC; treasure package not available in SC.

3 Unauthorized credit card use coverage not available in Texas.

4 Food spoilage due to power failure coverage is available to renters in AR, CO, KY, MD, MI, MT, NV, OR, NH and VA. It is not available to home insurance and condo insurance policyholders in FL and TX. Includes coverage up to $500.

5 Lock replacement expense protection not available to renters or home and condo insurance policyholders in DC, KS, NM, NC, SC and TX. Includes coverage up to $100.