Home Insurance Coverage

What type of coverage is provided under a standard home insurance policy up to the limits purchased?

Dwelling:

Pays for the damage or destruction of your house or any unattached structures and buildings such as storage buildings and detached garages.

Personal Property:

Provides coverage for the contents of your house including furniture, clothing, appliances, home electronics, etc. in the event they are stolen, damaged, or destroyed.

Liability:

Protects the named insured against financial loss resulting from a law suit where the insured is found legally responsible for another person's injury or property damage.

Medical Payments:

Covers medical bills for people who are hurt on your property. It may also provide coverage for injuries that take place away from your home. Talk to your agent to learn more.

Loss of Use:

Will pay for additional living expenses if your home is uninhabitable after a covered loss while it is being repaired.

Optional coverage’s offered by insurance companies:

Scheduled Personal Property:

can provide coverage for possessions including jewelry, furs, collectibles, guns, computers, antiques, etc. Each item can be itemized and detailed in the policy.

Flood Insurance:

This coverage is typically purchased in addition to a standard homeowner’s policy. Pricing varies depending upon your location. If you live in a floodplain and have a mortgage the bank may require you to have flood insurance.

Earthquake:

Coverage for earthquakes is typically an additional coverage that is purchased and is not generally provided within a standard homeowner’s policy. Pricing varies depending upon your location.

Each insurance company offers their own special coverage’s that can be purchased in addition to a traditional home owner’s insurance policy. Talk to one of our agents about your unique needs or requirements.