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.
