Homeowner’s & Renter’s Insurance
Your home can substitute for the world, but the world can never substitute for your home.
What You Should Know
Homeowner’s & Renter’s Insurance
Over the years Homeowner Insurance policies have evolved and improved. Coverages have broadened under “all risk” policies where specific exclusions are listed. These exclusions can usually be insured through the purchase of endorsements or additional policies. As independent agents, we can help choose the coverage that’s right for you. We work with multiple highly rated insurance carriers to secure the coverage you need to insure all of your most prized possessions at a price you can afford.
Types of Coverage
Homeowner Coverage & Options
Your Home's Structure
Also known as dwelling coverage or Coverage A.
What it does: Dwelling coverage covers damages to the structure of your home from things like fire, windstorms, hail, lightning, theft and vandalism.
Example: If your home’s structure is damaged by a fire, the repair costs would be covered by the dwelling portion of your home insurance.
Temporary Living Expenses
Also known as loss of use coverage or Coverage D.
What it does: If your home becomes uninhabitable as a result of a covered event, this coverage helps pay for additional living expenses, like a hotel and food.
Example: After that fire, there’s no way you’re staying in your home until it’s repaired and the smell of smoke is gone. Thankfully, your loss of use coverage will help pay for a temporary place to live.
Sump Pump & Water Backup
Whether your basement is where you store your treasures or a finished space for entertaining, the right protection gives you peace of mind. Water backup and sump pump failure coverage is an optional add-on that can put your mind at ease.
Detached Structures
Also known as other structures coverage or Coverage B.
What it does: Other structures coverage is for damage to other, detached buildings on your property such as detached garages, gazebos, sheds, swimming pools and fences. Remember, this coverage protects the structure itself, not the things you store inside. That’s where personal property coverage steps in to help.
Example: If a windstorm knocks a tree onto your shed and it needs to be repaired, other structures coverage helps cover the cost.
Liability Protection
Also known as personal liability coverage or Coverage E.
What it does: If someone is accidentally injured on your property, our liability coverage can protect you from liability claims and lawsuits brought by others, up to your policy limit.
Example: Unfortunately, your friend was over when the fire started and they were severely injured and ended up in the hospital. The liability coverage on your homeowners policy will help pay for their medical bills.
Personal Belongings
Also known as personal property coverage or Coverage C.
What it does: From the belongings in your home to the tools in your shed, personal property coverage protects items inside and outside your home (up to your selected coverage limits) if they’re damaged or destroyed by a covered event.
Example: That fire that damaged your home’s structure? It also caused serious smoke damage to your clothes and furniture. The good news is your personal property coverage will help cover the cost to clean, repair or replace both!
Equipment Breakdown
If your appliances, home systems or smart home devices are damaged due to mechanical, electrical or pressure systems breakdown this coverage has your back.
What’s Not Covered by a Standard Policy
Typically, base policies do not cover things like flood, earthquake, and sewer backup or identity theft. But, you may be eligible to purchase additional protection for the following:
- Home Maintenance
- Wear and Tear
- Floods – Flood Insurance Program
- Earthquakes
- Sewer/Septic and Sump Pump Backup – while it is not automatically included in a homeowners policy, sump pump and water backup coverage can easily be added for a fraction of what it would cost to repair or replace water-damaged items in your home.
From The Blog
Homeowner’s Insurance Resources & Articles
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