Home InsuranceHome. It's your safe haven. It's where you raise your family and create memories that last a lifetime. Whether you're buying insurance for your first home or the home of your dreams, we can help you protect this prized possession with homeowners insurance that fits your priorities and your budget.
Getting a home insurance quote today is quick and easy. Buying home insurance can help protect both your home and your personal belongings. When you’re confident you have the coverage you need, you can focus on those little moments that matter. |
A Homeowners Insurance Policy can cover damage caused by such perils as fire, windstorms, hail, lightning and vandalism. Typically, damage caused by floods and earthquakes is not covered by basic homeowner insurance policies. Optional homeowner insurance coverages and policies may be available to cover damage due to additional perils.
Home Insurance Coverage
Dwelling Coverage
Dwelling coverage is the main component of a Home Insurance policy that can help pay to repair or rebuild the physical structure of your home in the event of a fire or other covered cause of loss.
Dwelling coverage can help pay to repair or rebuild your house if it is damaged by a number of different scenarios or risks. Some examples of the types of risks that may be covered include:
Your dwelling coverage limits are based on the estimated cost of rebuilding your home. While the current market value of your home may be lower than you’d like, the cost to rebuild may be higher than you think. Over time, economic changes – such as labor or material costs – could make rebuilding more expensive than initially anticipated.
Updates, additions and improvements to your home may increase or change the amount of coverage you need. Some common home changes include: installing hardwood floors, updating a kitchen or bath or adding a deck. As a result, it’s important to periodically review your coverage.
While you can’t predict when a covered loss occurs, there are several steps that you can take to help ensure your home is covered up to its replacement cost.
Dwelling coverage is the main component of a Home Insurance policy that can help pay to repair or rebuild the physical structure of your home in the event of a fire or other covered cause of loss.
Dwelling coverage can help pay to repair or rebuild your house if it is damaged by a number of different scenarios or risks. Some examples of the types of risks that may be covered include:
- House fires
- Severe weather
- Falling objects
- Vandalism/theft
Your dwelling coverage limits are based on the estimated cost of rebuilding your home. While the current market value of your home may be lower than you’d like, the cost to rebuild may be higher than you think. Over time, economic changes – such as labor or material costs – could make rebuilding more expensive than initially anticipated.
Updates, additions and improvements to your home may increase or change the amount of coverage you need. Some common home changes include: installing hardwood floors, updating a kitchen or bath or adding a deck. As a result, it’s important to periodically review your coverage.
While you can’t predict when a covered loss occurs, there are several steps that you can take to help ensure your home is covered up to its replacement cost.
Other Structures Coverage
Other structures coverage can pay for covered damages to detached structures like garages, sheds and fences on your property.
Other structures coverage can pay for covered damages to detached structures like garages, sheds and fences on your property.
Personal Property Coverage
Personal property insurance coverage can cover your belongings, such as furniture, clothing, sporting goods or electronics, in the event of a covered loss – whether they get damaged at your home or apartment, or anywhere in the world.
Keep in mind that certain damage is not covered by homeowners insurance as the policy contains terms, conditions and exclusions. For example, if your property is damaged in an earthquake, the damage is typically not covered unless you have purchased earthquake
coverage. Similarly, damage from a flood is not covered unless you have purchased a separate flood policy. Special limits may also apply to a certain property.
Personal property insurance coverage can cover your belongings, such as furniture, clothing, sporting goods or electronics, in the event of a covered loss – whether they get damaged at your home or apartment, or anywhere in the world.
Keep in mind that certain damage is not covered by homeowners insurance as the policy contains terms, conditions and exclusions. For example, if your property is damaged in an earthquake, the damage is typically not covered unless you have purchased earthquake
coverage. Similarly, damage from a flood is not covered unless you have purchased a separate flood policy. Special limits may also apply to a certain property.
Loss of Use Coverage
If damage to your home is covered by your policy, and you have to leave it during repairs, where would you stay? Would the cost of a hotel or temporary apartment fit into your budget? Loss of use coverage can help. If your home is damaged by a covered loss, loss of use coverage can help pay for your additional housing and living expenses while your home is being repaired or rebuilt.
If damage to your home is covered by your policy, and you have to leave it during repairs, where would you stay? Would the cost of a hotel or temporary apartment fit into your budget? Loss of use coverage can help. If your home is damaged by a covered loss, loss of use coverage can help pay for your additional housing and living expenses while your home is being repaired or rebuilt.
Personal Liability Coverage
Personal Liability insurance is about financial protection - for you and your family. The personal liability coverage within your homeowners policy provides coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Personal liability coverage provides for a defense if you are sued, and can pay damages to injured persons up to the limit of liability.
For example, if someone falls down your stairs, or your child accidentally throws a ball through a neighbor's window, breaking an expensive vase, you may be held legally responsible for the damages caused.
Many homeowners insurance policies provide a minimum of $100,000 in personal liability coverage, meaning the insurance company can pay up to that amount in total to injured persons per occurrence. If you feel you need more protection, higher limits are available. You can also purchase a personal liability umbrella policy if you think you need additional liability coverage.
Personal Liability insurance is about financial protection - for you and your family. The personal liability coverage within your homeowners policy provides coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Personal liability coverage provides for a defense if you are sued, and can pay damages to injured persons up to the limit of liability.
For example, if someone falls down your stairs, or your child accidentally throws a ball through a neighbor's window, breaking an expensive vase, you may be held legally responsible for the damages caused.
Many homeowners insurance policies provide a minimum of $100,000 in personal liability coverage, meaning the insurance company can pay up to that amount in total to injured persons per occurrence. If you feel you need more protection, higher limits are available. You can also purchase a personal liability umbrella policy if you think you need additional liability coverage.
Medical Payments
Another type of liability coverage in a homeowners policy is medical payments to other coverage. The homeowners, renters or condo policy generally can provide for the payment of necessary medical expenses for guests who are accidentally injured on your property. This is regardless of whether or not you are legally responsible. It also can provide coverage in other situations as well.
The minimum amount of coverage available is $1,000 per person. Higher amounts of coverage may also be available.
Another type of liability coverage in a homeowners policy is medical payments to other coverage. The homeowners, renters or condo policy generally can provide for the payment of necessary medical expenses for guests who are accidentally injured on your property. This is regardless of whether or not you are legally responsible. It also can provide coverage in other situations as well.
The minimum amount of coverage available is $1,000 per person. Higher amounts of coverage may also be available.
Deductibles and Limits
Your home insurance deductible is the amount of a covered claim that is your responsibility. The amount you choose for your insurance deductible depends on how much you're prepared to pay if you have a covered loss.
Your home insurance deductible is the amount of a covered claim that is your responsibility. The amount you choose for your insurance deductible depends on how much you're prepared to pay if you have a covered loss.
Our representative can help you understand your coverage requirements
and help select the best amount of coverage that's right for you.
and help select the best amount of coverage that's right for you.
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