Customized protection for your home investment at a price that fits your budget.
Standard Types of Homeowners Insurance Coverage
Covers the physical structure of your home, like the walls and roof
Personal property coverageCovers the belongings inside your home, like furniture or bicycles, even if they’re damaged or stolen outside the houseLiability protection
Defends and covers you if someone sues or files a claim against you after being injured on your property or you damage someone else’s property
Guest medical protection
Covers the cost of medical expenses for someone who’s injured on your property
How Homeowners Insurance Protects You
- Your roof is crushed by a falling tree in a hurricane.
- A guest slips and injures him or herself on a loose brick in your walkway.
- Vandals throw rocks through your windows.
Helps protects your home and the structures directly attached to it. This can include coverage for electrical wiring, plumbing, heating and air conditioning as well as larger structures like staircases and walls. Tip: Choose the right amount of coverage – enough to cover the cost to rebuild your house in the case of a total loss.
Helps protect your personal belongings such as furniture, clothing and appliances. You can purchase additional coverage for valuable items and other special possessions such as jewelry and rare or collectible items.
Helps protect you in two ways. First, it provides for your legal defense against a liability claim (lawsuit). Second, it will help pay any court judgments against you for covered losses, up to the policy limit. For example, your pet injures a neighbor or guest, or your long drive on the golf course injures someone on the fairway. This coverage can help pay for damages that you are held liable for.
Helps pay emergency medical bills if someone is injured on your property. It also covers any injury caused by a member of your family or your pet regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not. This coverage is needed for something as simple as a guest tripping and falling down your staircase. Homeowner’s liability insurance can help when you are left to pay the medical bills.**