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Homeowners Insurance Coverage

You’ve worked hard to make your house a home. Let us help you protect it.
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Standard Homeowners Insurance Coverage

Get coverage for you, your home and your personal property.
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What does standard homeowners insurance cover?

Standard Homeowners Insurance Coverage*

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Coverage for Your Home

Dwelling coverage (Coverage A) protects your home – think roof, walls, floor, siding and windows.
A windstorm sends a tree crashing onto your roof. This portion of your standard homeowners insurance policy helps you cover some of the repair costs.
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Coverage for Other Structures

Other structures coverage (Coverage B) protects structures such as detached garages, sheds, fences or pools.
The new shed you built in your yard is damaged in a storm. This portion of your homeowners insurance can help you cover some of the damages up to your policy limits. You have the option to add more coverage if you would like.
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Coverage for Your Things

Personal property coverage (Coverage C) helps replace or repair items such as clothing, jewelry, appliances, furniture and electronics.
Your home suffers a fire with extensive damage to your personal property and valuables. This portion of your homeowners insurance helps you repair and replace them.
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Coverage for Living Expenses

Loss of use coverage (Coverage D) helps pay for expenses such as hotel stays and food should your home become unlivable.
Your house is damaged in a fire, and you must move out while it's fixed. This portion of your homeowners insurance policy can help you pay for expenses such as accommodations and food costs.*
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Coverage When Accidents Happen

Personal liability (Coverage E) provides financial protection for property damage and injury to others.
A guest injures themselves on your property while visiting; this coverage can help provide you with some financial protection from costs that may occur as a result.*

Home Insurance Add-Ons

Need more coverage? Our homeowners insurance is customizable to fit your unique needs. Here are a few of our optional add-on coverages to consider.
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Add-Ons for More Events & Parts of Your Home

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Add-Ons Based on How You Use Your Home

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Add-Ons for Personal Property & Identity

RESOURCE

Check out our Personalized Coverage Assistant or talk to an agent for guidance on which standard and additional coverages are right for your home.

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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.

This article is for informational purposes only and includes information widely available through different sources.

**Equipment Breakdown coverage provides protection should appliances, home systems or smart home devices be damaged due to unexpected mechanical or electrical breakdown. Does not provide coverage for breakdown caused by normal wear and tear. Coverage applies once a $500 deductible has been met.

***Hidden Water Damage coverage is an optional coverage. May not be available in all states. Some restrictions apply to seasonal homes and manufactured homes. The leak must occur from within a plumbing, heating, A/C, fire sprinkler or a home appliance. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Mold damage limited to coverage limits provided by your homeowners policy.

†Sump pump and water backup coverage won’t cover things like flooding from a river rising nearby or rain leaking in through the foundation and causing damage. Talk to your insurance agent to best understand the limitations of this type of coverage and understand if it’s right for you. Coverage provided once policy deductible has been paid and only up to your policy limits. Refer to your policy for specific coverage details and exclusions.

‡Coverage provided by adding the Flash Flooding endorsement is optional. This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP).