Homeowners Insurance | Coverage

Dwelling

Coverage for your home and any attached structure such as a deck or garage.

Other Structures

Covers structures on your property that are not attached to your home such as a fence, gazebo or detached garage. This coverage is roughly 10% of your Dwelling Coverage but can be increased.

Personal Property/Contents

Your personal possessions such as furniture, appliances, clothing, and electronics.

Personal Liability

Provides coverage for incidents occurring anywhere in the world and protects against lawsuits for which you may be liable.

Medical Payments to Others

Coverage for others that may be injured at your residence.

Additional Living Expense

Pays for additional expenses if you are unable to live in your residence after a covered loss.

Optional Coverages

Guaranteed Home Replacement Cost

This covers the cost to rebuild your home after a loss irrespective of the Dwelling Limit on your policy.

Water Back Up of Sewer or Drain

Covers outside water that enters the plumbing system and backs up inside the home through drains.

Ordinance or Law Coverage

Local ordinances or laws regulating construction or repair of the home. This coverage will pay for code updates if the insurer is paying a claim on a covered loss.

Equipment Breakdown

Covers electrical and mechanical failures of equipment at your home, from air conditioners and heating units to computers and major appliances.

Identity Theft Coverage

Provides coverage for expenses incurred when trying to restore your financial identity.

Personal Injury Coverage

Covers claims from defamation of character, libel and slander. This coverage can be separate from the Personal Liability Coverage on your policy.

Home Sharing Coverage

Coverage required if you are renting out your house, extra bedroom or vacation home for money. Common for those who use a service such as Airbnb.

Replacement Cost Coverage

Covers the cost to replace or repair an item at its full value without deduction of depreciation.

Roof and Siding Matching Coverage

If damage is sustained to your siding or roofing the insurance carrier may only pay for the damaged portion and may not pay to match the undamaged portion. This coverage will ensure that the insurer pays to match the newly repaired area.

Special Personal Property Coverage

Provides broader “all-risk” coverage for your personal items, including loss and mysterious disappearance.

Personal Articles Coverage

A rider added to your policy to cover items such as jewelry and watches at their face value.

Home Business Coverage

Provides additional liability and business personal property coverage for those who operate a small business from their home.

Earthquake Coverage

Covers damages sustained to your home from an earthquake.

Flood Coverage

Covers damage caused to your home from a flood. This policy has to be purchased separately and is not covered under a Homeowners Policy.