We’ll walk you through what is covered by homeowners insurance to help you decide which options are right for you. Our homeowner’s insurance policy includes different types of coverage that offer you, your home and your belongings protection from unexpected events.
Structure of Your Home
Also known as dwelling coverage or Coverage A.
Your homeowners policy covers damages to the structure of your home from fire, windstorms, hail, lightning, theft and much more.
Here’s a small sampling of additional home insurance coverages you can add on to your policy for additional charge. For a complete list, connect with your agent and discuss the best protection options for your home.
Equipment Breakdown Coverage
Did you know that 18-24% of new appliances fail within the first year? This coverage can protect you from paying the expensive repair or replacement costs.
Our service line coverage is a simple and affordable way to protect yourself from the high costs of service line failures like if a tree root grew through your sewer pipe on your property and it caused a leak.
Credit Theft Protection & Monitoring
Credit monitoring from CyberScout is a comprehensive identity protection and management service that alerts you to changes with your credit, personal or financial information.
Get covered for water damage caused by leaks you can’t see — within the walls, plumbing or inside household appliances. This coverage also provides protection for problems that are the result of wear and tear, mold damage , deterioration, corrosion and rust.
For every year you’re claim-free, we’ll add another $100 credit to your deductible, up to your homeowners policy’s limit. Earn a $100 credit* towards your deductible — just for signing up. Start controlling what you pay for your homeowners coverage today.
We'll help you find the right policy and coverages.
*Maximum limit of $1,000 for homeowners insurance. Maximum limit of $500 for renter insurance, condo insurance and manufactured home insurance. Diminishing Deductible does not apply to all property deductibles. Some coverages may not be available in your state. Available at renewal for existing policyholders. Please speak with your agent to learn more about your coverage options. This coverage is not available in MN at this time. Some coverages may not be available in your state or on your specific policy form. Please speak with your agent to learn more about your coverage options.