Types of Home Insurance Coverage
Within a Homeowners Insurance Policy, the following categories can help ensure your home and assets are adequately protected.
Dwelling coverage can pay to repair or rebuild your home if damaged by a covered cause of loss. You will likely want to buy enough dwelling coverage to cover the estimated cost to repair or rebuild.
Other Structures Coverage
Other structures coverage can pay for covered damages to detached structures like garages, sheds and fences on your property.
Personal Property Coverage
Personal property coverage can pay you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics. Special limits of liability may apply to certain items.
Loss of Use Coverage
Loss of use coverage can pay your additional living expenses if you must move out of your home temporarily while it's being restored. This is subject to coverage terms and limits.
Personal Liability Coverage
Liability coverage can help protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a member of your household is responsible for causing bodily injury or property damage to others.
Your home insurance deductible is the amount of a covered claim that is your responsibility. The amount you choose for your insurance deductible depends on how much you're prepared to pay if you have a covered loss.
Your home insurance coverage limits (the amount of homeowners insurance you buy) starts with your dwelling coverage. The limits of coverage for the other standard coverages in your homeowners policy are typically calculated as percentages of your dwelling limit.
Special Personal Property Coverage
Contents Replacement Cost
Additional Replacement Cost Protection Coverage
Jewelry and Valuable Items
Personal Articles Floater
Water Backup and Sump Pump Discharge or Overflow
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