Homeowners Insurance Coverages

Coverage for Your Home's Structure

What it does: Dwelling coverage covers damages to the structure of your home from things like fire, windstorms, hail, lightning, theft and vandalism.

Example: If your home’s structure is damaged by a fire, the repair costs would be covered by the dwelling portion of your home insurance.

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Coverage for Detached Structures

What it does: Other structures coverage covers damage to other, detached buildings on your property such as detached garages, gazebos, sheds, swimming pools and fences. Remember, this coverage protects the structure itself — not the things you store inside. That’s where personal property coverage steps in to help.

Example: If a windstorm knocks a tree onto your shed and it needs to be repaired, other structures coverage helps cover the cost.

Coverage for Personal Belongings

What it does: From the belongings in your home to the tools in your shed, personal property coverage protects items inside and outside your home (up to your selected coverage limits) if they're damaged or destroyed by a covered event.

Example: That fire that damaged your home’s structure? It also caused serious smoke damage to your clothes and furniture. The good news is your personal property coverage will help cover the cost to clean, repair or replace both!

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Temporary Living Expenses

What it does: If your home becomes uninhabitable as a result of a covered event,this coverage helps pay for additional living expenses, like a hotel and food.

Example: After that fire, there’s no way you’re staying in your home until it’s repaired and the smell of smoke is gone. Thankfully, your loss of use coverage will help pay for a temporary place to live.

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Liability Protection

What it does: If someone is accidentally injured on your property, our liability coverage can protect you from liability claims and lawsuits brought by others up to your policy limit.

Example: Unfortunately, your friend was over when the fire started and they were severely injured and ended up in the hospital. The liability coverage on your homeowners policy will help pay for their medical bills.