Protection for Your Property and Belongings
- Covers Property Damage: Protects your home from damages caused by fire, storms, and other covered perils.
- Covers Personal Belongings: Reimburses for damage or theft of personal items like furniture, electronics, and clothing.
- Rebuilds Your Home: Ensures funds are available to rebuild after a total loss due to covered events.
- Covers Detached Structures: Protects other structures like garages, sheds, or fences on your property.
- Replacement Cost Coverage: Ensures you can replace items without worrying about depreciation.
Liability Protection
- Personal Liability Coverage: Protects you from financial losses if someone is injured on your property.
- Covers Legal Fees: Pays for legal defense if you’re sued for injuries or property damage.
- Dog Bite Coverage: Covers liability for dog bites or injuries caused by pets (depending on policy terms).
Protection Against Specific Risks
- Covers Temporary Living Expenses: Pays for hotel stays and meals if your home becomes uninhabitable.
- Covers Vandalism and Theft: Protects your property from criminal acts like theft and vandalism.
- Natural Disaster Protection: Covers damages from specific natural events like hail, windstorms, or lightning.
Mortgage Requirement
- Required by Lenders: Mortgage lenders require homeowners insurance to protect their investment in your home.
Customizable Coverage
- Optional Flood or Earthquake Insurance: Add extra protection for region-specific risks.
- Scheduled Personal Property Coverage: Provides added protection for high-value items like jewelry or art.
Peace of Mind
- Protects Your Investment: Ensures your most significant financial asset is safe.
- Covers Medical Payments: Helps pay for minor injuries to guests on your property without needing a lawsuit.
Additional Protections
- Covers Home Businesses: Add riders to protect home business equipment or liability.
- Identity Theft Protection: Some policies offer protection against identity theft and related expenses.
- Covers Sewer Backups: Additional riders protect against costly plumbing issues not covered by standard policies.
- Protects Vacation Homes: Provides coverage for secondary homes or rental properties.
Good homeowners insurance offers comprehensive protection and financial security, ensuring you can recover quickly from unexpected events.