Affordable Homeowners Insurance

Dwelling Coverage

Dwelling coverage helps cover the costs to repair or rebuild the physical structure of your home in the event of a covered loss. For example, if your pipes burst during a winter storm and damage your walls, or severe winds knock over a tree and land on your roof, dwelling coverage can help pay for those resulting expenses.

Other Structures

Other structures coverage is part of your home insurance policy that helps cover assets that aren’t connected to your house or built into your home’s foundation. Examples include carports, detached garages, fences, sheds, aboveground or in-ground pools, and driveways.

Personal Property

Personal property coverage helps protect your belongings in a covered loss. For example, if your computer or television is damaged in a fire, this coverage could help recoup the costs of repairs or a replacement. Personal property coverage also can keep your belongings protected outside of your home. For instance, if you lock your bike at a local brunch spot and someone breaks your lock and steals your bike, you could file a claim for theft.

If you own highly valuable items such as fine art, jewelry, collectibles, and antiques, you may want to consider getting additional personal property coverage to protect your valuables.

Extended Replacement Cost

Extended replacement cost offers up to 150% of your dwelling’s policy limits to rebuild your home following a covered loss such as a fire, storm damage, or other similar perils. So if you have a dwelling policy of $250,000, you could receive up to $625,000 to repair or rebuild your damaged property.

Personal Liability

Personal liability helps protect you financially if you’re held legally responsible for damages or injuries to others. For example, if a delivery driver slips and falls on your driveway or your child accidentally throws a baseball through your neighbor’s window, personal liability can help pay for any resulting expenses.

Additional Living Expenses

This type of coverage helps pay additional expenses you incur when your house becomes uninhabitable due to a covered loss. For example, if a fire or tornado leaves your home uninhabitable, this coverage may help cover expenses such as hotel stays and meals.

Guest Medical Protection

Guest medical protection helps cover costs related to injuries that occur on your property. For example, if you throw a house party and a guest trips and falls on your stairs, this coverage can help pay for any necessary medical expenses. Guest medical protection also applies if you accidentally cause injury to someone outside your property.

Identity Theft Protection

If you fall victim to identity theft, this coverage can help pay for any resulting expenses, which may include lost income, notaries, attorney fees, mailing costs, and loan applications.