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Homeowners Insurance Coverage
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Dwelling Coverage
Covers the cost to repair or rebuild your home, including electrical wiring, plumbing, and heating and air conditioning.
Other Structures Coverage
Pays for damage to detached structures on your property like garages, sheds, and fences.
Personal Property Coverage
Reimburses you for the loss of personal items such as furniture, clothing, and electronics.
Loss of Use Coverage
Covers additional living expenses if your home is uninhabitable after a covered loss.
Liability Protection
Provides coverage if someone is injured or their property is damaged and you are to blame.
Medical Payments Coverage
Covers medical bills for guests injured on your property, regardless of liability.
Scheduled Personal Property Endorsement
Provides additional coverage for high-value items such as jewelry, art, and collectibles.
Guaranteed Replacement Cost Coverage
Pays the full cost to rebuild your home as it was before a disaster, even if it exceeds the policy limit.
Water Backup Coverage
Covers damage from water backing up into your home through sewers or drains.
Identity Theft Restoration Coverage
Provides assistance and financial support in case your identity is stolen.
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