House Coverage Plans to
Protect Your Home and Family

Dwelling Coverage

It is critical that the main structure has sufficient coverage to rebuild in the event of a total loss. Market value (the price for which you could sell the home) has little bearing on the real cost of debris removal, reestablishing utilities, and rebuilding the structure to completion. 

All carriers use an algorithm to determine “rebuilding cost,” and most include a built-in “additional dwelling coverage” cushion of 20-25% to account for any miscalculations.

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Personal Property / Contents

Most people would be amazed at the dollar amount required to replace all their personal belongings in a home. Electronics, clothing, and tucked-away valuables add up to a substantial figure.

Carriers typically use a fixed percentage (50%–75%) of the dwelling coverage. For example, if the home is insured for $300,000, contents would be covered for $150,000–$225,000. If you have unusual high-value items, additional coverage can be secured via the “Scheduled Personal Property” section.

This segment also covers property taken outside the house—for instance, a laptop stolen from your vehicle—subject to your deductible.

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Other Structures

Provides coverage for any structures not attached to the house, such as fences, playground equipment, and sheds.

Liability

This offers protection should someone be severely injured on your property, or if a member of your household accidentally causes damage to a neighbor's property or home.

Loss of Use

Provides funds for temporary housing and living expenses while your home is being rebuilt. Limits are typically very sufficient for your needs.

Medical Payments

Provides compensation to non-household members for minor injuries sustained on your property.

Scheduled Personal Property

A provision to insure high-value items like jewelry, art, firearms, and collectibles that exceed general policy limits. For instance, jewelry might have a $1,000 limit per piece without being specifically scheduled. Deductibles for these items are usually lower.

Identity Theft

Reimburses expenses up to a limit for the nightmare of stolen identity, including attorney fees, credit resolution, and travel expenses related to resolving the issue.

Mortgagee Paid Premium

All carriers accommodate premiums paid by your mortgage company, bank, or credit union. Switching carriers is usually a hassle-free transition during this process.

In-Home Small Business

Most policies provide coverage for small businesses run out of the home. This can include professional liability, business property, loss of records, and loss of income due to a fire or other interruption.

Home Insurance Coverage Options Include:

  • Dwelling Coverage
  • Personal Property/Contents
  • Other Structures
  • Homeowners Liability
  • Loss of Use
  • Medical Payments
  • Scheduled Personal Property
  • Identity Theft
  • Mortgage Paid Premium
  • In-Home Small Business
  • Condo Insurance
  • Landlord/Rental Property
  • Renters Insurance
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