• Liability Coverage: Protection if you're legally responsible for injuries to others on your property.


• Structural Coverage: Covers damages to the physical structure of your home and other buildings on your property.


• Personal Property: Reimburses you for damage or theft of belongings inside your home.


• Pet Injuries (in some cases): Coverage for household pet injuries within the home.


• Additional Living Expenses: Covers temporary living costs if an insured event forces you out of your home.

Optional add-ons are available for even more protection, including:

• Replacement cost for personal belongings: Ensures you receive the full replacement value for your damaged or stolen items, not just their depreciated worth.


• Higher liability limits: Provides increased protection in case of major liability claims or lawsuits.


• Coverage for valuables, electronics, and computer equipment: Offers specialized protection for high-value items that may exceed standard policy limits.