Homeowners Insurance Coverage
Standard Homeowners Insurance Coverage
What does standard homeowners insurance cover?
Standard Homeowners Insurance Coverage*
Coverage for Your Home
Coverage for Other Structures
Coverage for Your Things
Coverage for Living Expenses
Coverage When Accidents Happen
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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 mechanical, electrical or pressure systems sudden 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).