The right home insurance policy can give you peace of mind and cover the costs of repairs and replacements due to fire, theft, vandalism, or other covered events. It will also cover you in the event that someone is injured while on your property and wins a legal judgment against you.
How It Works
Home insurance policies differ based on which losses are covered, which coverages you choose, and the type of residence. You can choose a specific policy or a comprehensive one that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property. The amount you pay depends on
- Options you select — homeowner insurance options are often priced individually, so how much you pay depends on what coverages you buy.
- How much you want to cover — Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Where you set your limits — You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Personal Property Insurance
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Optional Liability Coverage For Landlords
Personal Liability Coverage
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
Scheduled Personal Property Coverage
Put You & Your Family in Good Hands
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Our goal is to serve you as best we can. We focus on finding you the best comprehensive insurance plan within your budget so you can live with the peace of being protected....