Home Owners Insurance

What Are My Coverage Options?

Whether you rent or own your home, you’ve got a wide range of property insurance products and coverages* to choose from.

First
Understand which coverage elements are common among all property insurance policies:
  • Personal Property. To protect movable personal property, mostly within your home.  Certain coverage limits apply.
  • Family Liability Protection. To pay for covered damages which you’re legally obligated to pay.
  • Guest Medical Protection. To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
  • Additional Living Expenses. To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.
Second
Consider which policy is right for your living situation:
  • House
  • Condominium
  • Mobile Home
  • Renter
Third
Personalize your policy with additional coverages such as:
  • Replacement Cost Coverage. For many of your contents (subject to applicable underlying policy coverage limits).
  • Scheduled Personal Property Coverage. With increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, computers, cameras and sports equipment.
  • Increased Building Code Coverage. For example, if your home is damaged or destroyed you’d need protection to bring it up to today’s code standards as it is repaired.
  • Portable Cellular Communication Systems Coverage.
  • Satellite Dish Antennas Coverage.
Finally
Since most Homeowners, Condominium, Mobile Home,* or Renters Insurance Policies don’t cover a flood, find out if you’re eligible for a Flood Insurance Policy.
 


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