Protect your most valuable asset with comprehensive homeowners insurance. Whether you own a single-family home, condo, or townhouse, the right coverage safeguards your property and belongings against unexpected events.
Coverage Options for Homeowners
Dwelling Coverage
Protects the physical structure of your home from damage caused by fire, storms, theft, and other covered perils. Coverage should reflect your home’s full replacement cost, not just market value. Includes protection for attached structures like garages and decks.
Personal Property
Covers your belongings – furniture, electronics, clothing, and other personal items – against theft or damage. Special coverage available for high-value items like jewelry, art, or collectibles. Includes protection for belongings both at home and away.
Liability Protection
Safeguards you if someone is injured on your property or if you accidentally damage someone else’s property. Covers legal expenses and medical bills if a visitor is injured. Essential protection for homeowners with frequent visitors or unique features like pools.
Additional Living Expenses
Pays for temporary housing and extra costs if your home becomes uninhabitable due to a covered loss. Covers hotel bills, restaurant meals, and other expenses while your home is being repaired or rebuilt.
Natural Disaster Coverage
Protection against specific events like floods, earthquakes, or hurricanes may require separate policies or endorsements. Important consideration based on your home’s location and local risk factors.
Other Structures Coverage
Protects detached structures on your property like sheds, fences, or separate garages. Typically included as a percentage of your dwelling coverage. Can be adjusted based on the value of your outdoor structures.
