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Homeowners Insurance Coverage Information

Property Coverage Information

Dwelling or Replacement Coverage
Helps to rebuild or repair the physical structure and any connected structures of your home if it's damaged by a covered loss. 

Other Structures
Coverage for structures set apart from your home such as sheds, detached garages or pools. 

Personal Property
Provided coverage for the things you own such as furniture, electronics and clothing. This coverage helps to repair or replace your belongings after a covered loss. 

Special Limits (Schedule)
Applies to certain categories of personal property such as money, securities, watercraft, trailers, jewelry, artifacts, collectibles and more. 

Loss of Use
Pays for any necessary increase in living expenses required by you to maintain the household's normal standard of living after a covered loss has occurred. 

Lability Coverage Information

Personal Liability
Provided for claims made and suits brought against the insured because of bodily injury or property damage. 

Medical Payments
Coverage is provided for injury to a person on the insured location with permission, or off the location if the injury is caused by you or an animal you own. 

Other Coverages Information

Covers repair or replacement on your dwelling, other structures and personal property up to the same limit as your homeowners insurance. Typically, the deductible for each coverage limit is between 10% and 20%. 

Water Backup
Provides added protection from water damage resulting from backed up drains or failed sump pumps.