What’s in a Home Anyway?

What does Homeowners Insurance Cover?

We offer a range of home insurance policies to cover you in the event of theft, water backup, personal injury and other types of losses. We not only cover your home, but also you, your family and your personal belongings.

Basic Homeowners Insurance Coverages

Dwelling

Helps protect your home’s structure, built-in appliances and wall-to-wall carpet from damage.

Contents

Helps cover your personal property not attached to or built into your home, such as furniture and clothing.

Personal liability

If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

Medical payments to others

May help pay for medical or funeral expenses of someone who is injured on your property.

Ordinance or law insurance

May help pay to rebuild your home to current building codes after a covered loss.

Other structures

Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.

Loss of use

Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.

Credit card coverage

Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money.

Optional Homeowner Insurance Coverages

Identity theft

Helps keep personal data secure amid a growing number of risks and cybercrimes.

Valuables Plus

Provides additional coverage for high-value items such as jewelry, watches, antiques and fine art.

Replacement cost plus

Can pay up to an additional 20% of your property coverage limit if your home needs to be rebuilt after a loss.

Water backup

Expands coverage if water backs up through your sewer or drains, or your sump pump overflows.

Earthquake

Provides additional coverage for earthquake damage. A separate deductible applies.

Flood insurance

This option protects your house and its contents from flood damages. It is a separate policy with its own deductible.

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