WHAT DOES HOME INSURANCE COVER?

Dwelling Coverage:  Protects damages to your home's physical structure in the event of a covered loss.

Other Structures:  Structures not permanently attached to your property.

Personal Property:  Covers household contents and other personal belonging owned by you and your family.  Limits may apply to certain items, such as jewelry, watches and furs, electronics, etc...

Loss of Use:  Covers you for room and board-hotel stay, laundry, and meals if you have to live elsewhere while your home is being repaired or rebuilt.

Liability:  Personal liability provides protection in the event a claim is made or a lawsuit is filed, claiming you or a member of your household is responsible for others’ injuries or property damage.

Medical Payments:  Coverage in case of injury by guests in your home or on your property in which you are not legally liable to their injury or damages.

ADDITIONAL OPTIONS THAT MAY BE AVAILABLE 

• Replacement Cost Coverage on Dwelling

• Replacement Cost Coverage of Personal Contents
  

• Accidental Water Discharge

• Limited Foundation and Buy Back

• Water Backup/Sewer

• Animal Liability

• Added Jewelry Coverage

• Identity Theft Protection 

• Flood Insurance - as a separate policy

• Life Insurance (Mortgage Protection) - as a separate policy

Please note that coverage options and discounts vary by state. Limits and exclusions apply. One of our team members will be able to assist you with further details on the provided quotes.

Click here to schedule a policy review with one of our team members.