This coverage provides protection if your home is damaged by a covered loss such as fire, lightning, wind or hail. Structures that are attached to homes, such as garages, are included in the coverage.
Other Structures Coverage
Just like your home, detached structures on your property, like sheds, garages and fences, are protected in the event of a covered loss.
Personal Property Coverage
This is coverage for property that is not permanently affixed to your home or structure, such as furniture, clothing, electronics and other items.
Loss of Use Coverage
When your home is damaged by a covered loss and it’s unfit to live in, your living expenses may suddenly and temporarily increase. Temporary housing (such as hotel rooms), storage rental, even higher than normal food bills all fall under this coverage.
Personal Liability Coverage
If someone is injured or has a personal item damaged on your property you could be liable for medical payments and other costs. This part of your policy provides coverage for claims of property damage and bodily injury.
Dwelling Replacement Coverage
When the cost to rebuild or repair your home exceeds the coverage limit on your policy, this coverage provides an additional 30% above your limit.2
Personal Property Replacement Coverage
With this worldwide coverage, you’ll get full repair or replacement of your personal property up to the limit of coverage you’ve selected.2
Identity Fraud Expense Coverage
You'll get personal help restoring your identity and be reimbursed for unauthorized use of your credit cards up to the policy limit.
Home Business Coverage
Whether you're running a business from home or just completing an assignment for your employer there, be sure to properly insure yourself against the unexpected.