What does Home Insurance Cover?

• Damage to your Home

  • Covers the damage to your house like replacing the roof if there is storm damage.​

• Damage to Other Structures

  • Covers structures on your property other than your house like a detached garage, shed or fence.​

• Damage or Loss of Personal Property

  • Covers the contents in your house if they were damaged or stolen.​

• Additional Living Expenses

  • Provides additional living expenses if damage from your house makes it unable to be occupied. For example, this coverage could cover the cost of staying at a hotel while the home gets repaired.​

• Personal Liability

  • Protects you against lawsuits that could arise from accidents to others on a property that you own or rent. For example, if a guest slips and falls in your house and breaks a bone, this coverage would protect you against the liability that could come from the guest.

• Medical Expenses

  • Covers medical expenses that occur on your home property. The coverage also applies if the injury is caused by you or your family or a pet. ​