Homeowners (Primary)

Here's a summary of what our homeowners insurance policies typically cover:

• Dwelling Coverage: This component of the policy protects the physical structure of your home and attached structures, such as garages or decks, against covered perils like fire, theft, vandalism, and certain natural disasters. It typically covers the cost to repair or rebuild your home.
• Other Structures Coverage: This coverage extends to structures on your property that are not attached to your main dwelling, such as a detached garage, shed, or fence. It provides protection against similar perils as the dwelling coverage.
• Personal Property Coverage: This part of the policy safeguards your personal belongings, including furniture, electronics, appliances, clothing, and more. It typically covers these items against covered perils, even when they are not within your home premises. There may be limits and exclusions for certain valuable items, so it's important to review your policy.
• Liability Protection: Homeowners insurance also offers liability coverage, which helps protect you if someone is injured on your property or if you accidentally cause damage to someone else's property. It can help cover legal expenses and potential settlements.
• Additional Living Expenses: In the event that your home becomes uninhabitable due to a covered loss, this coverage assists with additional living expenses like temporary housing, meals, and other related costs.
• Medical Payments: This coverage helps pay for medical expenses if a guest is injured on your property, regardless of fault. It can help cover costs such as medical bills or emergency room fees.