Homeowner's Insurance
Homeowners insurance, also called home insurance, helps pay for damage to your home and the things you own when something happens that's covered by your policy. It also provides liability coverage that helps protect your finances if you're held responsible for someone else's injuries or property damage.
Dwelling & Other Structures
When you buy a home, you aren’t just buying the house itself. Instead, you are buying both the house and the plot of property on which it sits. Therefore, when you buy homeowners insurance, your plan should offer coverage not only for the house, but also for any of the other buildings or construction on the property.
Personal Belongings
Personal property coverage also known as contents coverage on a home policy helps cover the cost of your personal items if they are destroyed, damaged, or stolen due to a covered loss or peril. Personal property includes things like furniture, clothing, electronics, and kitchenware.
Loss of Use
Loss of use coverage, also known as additional living expenses (ALE) insurance, or Coverage D, can help pay for the additional costs you might incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Personal Liability
Personal liability occurs in the event an accident, in or out of your home, that results in bodily injury or property damage that you are held legally responsible for. Personal liability claims could include medical bills, legal fees and more if a guest is injured on your property, as well as coverage for accidental damage you are legally responsible for on someone else’s property.