Homeowner
A robust coverage plan that protects your home's structure and contents, covers living expenses during temporary displacement, and offers customizable options for tailored financial security.
Coverages
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Dwelling
Safeguards the home's physical structure, encompassing the walls, roof, floors, and any attached features like garages and decks. It usually includes protection against damages resulting from covered risks such as fire, windstorms, hail, and vandalism.
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Personal Property
Covers items within the home, such as furniture, appliances, clothing, electronics, and personal belongings. It offers financial reimbursement for damage or loss from covered risks, both indoors and occasionally outdoors.
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Liability Protection
Provides coverage for lawsuits stemming from accidental bodily injury or property damage caused by you or your family. This usually includes legal defense expenses and damages, up to the specified policy limit.
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Additional Living Expenses
ALE coverage assists with temporary living costs, including hotel accommodations, meals, and transportation, during the repair or reconstruction of your home.
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Medical Payments
Provides coverage for medical costs incurred by guests injured on your premises, irrespective of blame. This can assist in settling their urgent medical expenses without requiring a liability claim or litigation.
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Other Structures
Covers structures on your property that aren't connected to the main building, including fences, sheds, and detached garages. Generally, it offers a portion of the dwelling coverage limit.