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What does home insurance cover?
- Dwelling Coverage — Coverage for Your HomeProtects home and attached structures when damaged by fire, windstorms, hail, lightning, theft and vandalism.
- Detached Structures — Coverage for Other StructuresCovers damage to other detached buildings on your property such as detached garages, gazebos, sheds, swimming pools and fences.
- Personal Property — Coverage for Your ThingsProtects items inside and outside your home if they’re damaged or destroyed by a covered event.
- Loss of Use Coverage — Coverage for Living ExpensesIf your home becomes uninhabitable as a result of a covered event, this coverage helps pay for additional living expenses, like a hotel and food.
- Personal Liability — Coverage for AccidentsIf 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.
- Equipment BreakdownIf your appliances, home systems or smart home devices are damaged due to mechanical, electrical or pressure systems breakdown this coverage has your back.**
- Matching Undamaged Siding CoverageYour homeowners policy helps you replace damaged sections of siding due to a covered loss. For added protection & peace of mind, you can add this optional coverage & we'll reimburse you for the costs for replacing the remaining undamaged siding so everything matches, up to your policy's limits.
- Diminishing DeductibleOur Diminishing Deductible rewards you for being a responsible homeowner by crediting your deductible $100 each year, up to your policy maximum.*** It's a great way to help control what you pay for your homeowners coverage.†
- Get coverage for water damage caused by a leak you can't see within plumbing within walls, floors, ceilings, cabinets, or behind or under a home appliance. It also covers damage that results from wear and tear, deterioration, corrosion and rust. ‡
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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.
*Customers who bundle home and auto insurance policies may save up to 23% on both policies together (as of December 2024). Discounts may vary by state, property, policy form and company underwriting the home and/or auto policy. Discounts may not apply to all coverages on a home or auto policy.
**Equipment Breakdown Coverage provides protection up to your policy limits 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.
***Diminishing Deductible does not apply to all property deductibles. Named storm deductible applies only to GA. Policy maximum limits are $1000 for homeowners and $500 for renters, condo and manufactured homeowner policyholders.
† 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.
‡ 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.