Dwelling

This coverage protects the structure of the home, all built in appliances, and wall-to-wall flooring from damage.

Contents/Personal Property

Coverage for your personal belongings not built into or directly attached to the home, such as televisions, clothing, furniture, etc.

Personal Liability

Personal Liability helps pay for damages caused by an accident to someone or something that occur within your home.

Ordinance or Law Insurance

This coverage assist in paying to rebuild your home, if need be due to a loss, to current building codes.

Other Structures

This coverage is for any additional structures that are not attached to your home, such as a barn, detached garage or shed.

Loss of Use

This pays for additional living expenses in the event that you are unable to live in your home after a covered loss.

Medical Payments to Others

This coverage can pay for medical bills or even funeral expenses for someone who may become injured on your property.

Brand New Belongings

This will help pay to fix or replace items that are damaged or stolen inside your home.

Water Backup

This is an optional endorsement that convers damages if water backs up though sewer or drains, or if your sump pump overflows.

Valuables Plus

Valuables plus is an optional endorsement that grants additional coverage to items of high-value such as jewelry, watches, fine art and antiques.

Replacement Cost Plus

This is an optional coverage that can pay up to an additional 20% of your property coverage limit in the event that your home has to be rebuilt after a covered loss.

Earthquake

Earthquake coverage is an optional coverage that provides additional coverage for damage caused by an earthquake. This coverage has a separate deductible from that of the standard perils deductible.