Your home is both a valuable asset and the center of your life, so it’s extra-important to cover every risk with homeowner’s insurance. Get the right policy and you’ll take care of the small and large risks related to owning a house at the same time.
For example, a devastating fire could result in not just the total loss of your home, but financial ruin. Without adequate home insurance you could be left with no way of raising the funds to pay off the balance of the mortgage.
Four of the Key Types of Homeowner's Protection
Dwelling Coverage
Dwelling coverage will pay to repair or rebuild your home in the event of a covered loss.
Other Structure Coverage
Other structure coverage will pay to repair or replace damage to detached structures on the insured premises.
Liability Coverage
Liability coverage will pay for the bodily injury or property damage which you are legally liable for both on and off the premises.
Personal Property Coverage
Personal property coverage will pay for covered losses for the contents of your home, both on and off the premises.
Of course, homeowner’s insurance may also protect you from more common house-related incidents like pipe leaks, burglary of personal possessions and much more.
Finding the right homeowners insurance policy for your unique needs can seem overwhelming. Rest assured; we can help make things a bit simpler by creating a homeowner’s insurance policy that gets you the proper coverage for your house at the right price.
When reviewing your home insurance options, consider the following coverages:
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Fire
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Personal Property / Contents
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Property Damage
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Additional Living Expense / Loss of Use
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Jewelry, Fine Arts & Collectibles
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Medical Expenses
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Personal Liability
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Miscellaneous Coverage
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Personal Injury
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Umbrella
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Excess Liability Coverage
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Flood Coverage
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Secondary Home
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Collectible Cars
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Wine Collection
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Water Back-Up
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Off Premises Theft