Coverage for Your Home and What Matters

Dwelling coverage protects the structure of your home and attached features, such as garages or decks. Coverage is based on the cost to rebuild your home rather than its market value. This helps ensure the structure can be repaired or rebuilt after a covered loss.

Covers detached structures on your property such as garages, sheds and fences. Coverage is typically set as a percentage of your dwelling limit with options to adjust based on your property.

Protects belongings inside your home including furniture, clothing, electronics and appliances. Coverage is often based on a percentage of your dwelling limit. Certain high-value items may have limits unless additional coverage is added.

Helps cover temporary living expenses if your home becomes uninhabitable due to a covered loss. This can include housing, food, transportation and other necessary costs. It may also apply to lost rental income when applicable.

Provides financial protection if you are responsible for injury or property damage to others. Coverage may apply to incidents at your home or, in many cases, away from your home. It can include legal defense costs, settlements, medical expenses and related claims.

Helps cover minor medical expenses if someone is injured on your property, regardless of fault. This coverage is intended to address smaller incidents quickly and may help reduce the likelihood of larger claims.

Additional coverages can be added to expand or customize your policy including:

• Inflation Guard
• Scheduled Personal Property
• Personal Property Replacement Cost
• Earthquake Coverage