There are many types of policy coverages that you may choose from to insure your home. Be mindful of the various categories listed below that are included in standard coverage as well as optional coverages, namely earthquake coverage and individual riders such as jewelry. You will find brief explanations below, including but not limited to Dwelling, Separate Structures, Personal Property, Loss of Use, Personal Liability, Medical Payments to Others, and Earthquake/Optional Coverages:
Covers the home you live in and other attached or built-in structures such as a garage, porch, or deck
Covers other separate structures such as a stand-alone garage and/or shed.
-Minimum coverage is 10% of Dwelling coverage.
Protects personal belongings/property owned or used by insured while on the residence premises if the home suffers a covered loss.
-Minimum coverage is 50% of dwelling coverage with certain items having individual or group limitations. Can add additional coverage riders for art, jewelry, etc.
Pays for additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it’s being repaired or rebuilt.
Provides coverage if claim or lawsuit is made for accidental bodily injury and property damage sustained by others for which you or your family members are legally responsible. Optional increase to limits available.
Pays towards the necessary medical expenses of people other than you and your household members who have been injured on your property, regardless of whether you are legally responsible for the injury. Option to increase limit may be available.
Something that belongs to another person. Ex. Your son/daughter hits a ball that breaks a window of a neighbor’s house or you spill something, such as wine, on new carpeting at a friend’s house and you have to pay for cleaning it.
Limited and comprehensive coverage for damages sustained by an earthquake is offered, depending on the insurer and plan. Please contact us for more information.