Standard Coverages
Repair/rebuild your home and other structures
Home insurance covers the cost to repair or completely rebuild your house and other structures as a result of fire, wind, hail, tornadoes, falling trees/limbs, ice dams, roof damage, and more.
Example: It snows a ton, and your roof caves in. The snow then falls into your house damaging your walls, kitchen cabinets, countertops, and more. Homeowners insurance covers all of these damages.
Temporary living expenses
If you can't stay at home during repairs, your homeowners insurance covers hotel stays and even meal expenses above what you’d normally pay, up to your policy’s limits.
Example: A tree crashes through your roof, and you have to spend $2,500 to stay two weeks at a hotel and pay for your family’s meals. You're covered for the entire bill.
Injuries and lawsuits against you
This coverage is called personal liability and covers lawsuits for property damage or injuries that you or your family members could be responsible for. You can add coverages for libel, slander, or other lawsuits.
Example: A delivery person falls on your steps, breaks their arm, damages their merchandise, and then their company sues you. Your homeowners insurance can pay for their medical bills, lost wages while they're injured, and the damaged merchandise.
Your personal possessions
Furniture, clothes, electronics, appliances, tools, power equipment, and your other belongings are usually covered, even if they're not in your house. For more expensive items, such as jewelry or art, you may need to add separate coverage for extra protection. If so, give us a call at the end of your online homeowners insurance quote.
Example: Someone breaks into your car and steals your cellphone and thousands of dollars’ worth of tools/equipment. You just have to pay your deductible, and the rest is covered.
