Dwelling Coverage
This protects the physical structure of your home, including walls, roof, floors, and built-in appliances, against damage from covered perils such as fire, windstorms, hail, or vandalism.
Extended Replacement Cost Coverage
Increases the amount available to rebuild your home if construction costs exceed the dwelling coverage limit due to inflation, rising material costs, or labor shortages.
Other Structures Coverage
Covers detached structures on your property, such as garages, fences, sheds, or gazebos, against the same perils covered under dwelling coverage.
Personal Property Coverage
Protects your belongings, such as furniture, clothing, electronics, and appliances, if they're damaged, destroyed, or stolen. Coverage may include:
Loss of Use/Additional Living Expenses (ALE) Coverage
If your home becomes uninhabitable due to a covered event, this coverage pays for temporary living expenses such as hotel bills, meals, or rental homes while repairs are completed.
Liability Coverage
Provides protection if you’re found legally responsible for injuries to others or property damage caused by you, your family members, or pets.
Medical Payments to Others
Covers minor medical expenses if a guest is injured on your property, regardless of fault. Coverage is usually limited to smaller amounts, such as $1,000–$5,000.
Ordinance or Law Coverage
Covers the cost of bringing your home up to current building codes after a covered loss if your home is outdated.
Water Backup Coverage
Covers damage caused by water backing up from sewers or drains or failure of a sump pump.
Mold/Fungi Remediation Endorsement
Provides coverage for the removal and remediation of mold or fungi caused by a covered peril.
Service Line Coverage
Covers the cost to repair or replace underground utility lines on your property, such as water, gas, or sewer lines.
Identity Theft Protection
Covers expenses related to recovering from identity theft, such as legal fees or credit monitoring.
Loss Assessment Coverage
Loss Assessment Coverage helps homeowners in a homeowners association (HOA) pay for their share of costs when the HOA imposes a special assessment due to a covered loss.
Home Systems Protection/ Equipment Breakdown
Home Systems Protection covers the cost to repair or replace major home systems and appliances if they break down due to a mechanical or electrical failure.
Workers’ Compensation for Residence Employees?
Workers' Compensation for Residence Employees provides coverage if a household employee, such as a nanny, housekeeper, gardener, or caregiver, gets injured or sick while working in your home.
Scheduled Personal Property Coverage
For an additional premium, provides additional coverage for high-value items like jewelry, antiques, fine art, or expensive electronics that exceed standard policy limits.
Home Cyber Protection Coverage
Home Cyber Protection Coverage helps protect you from financial losses and risks related to cyber incidents in your home.