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Dwelling Coverage| Personal Property| Liability Protection| Medical Protection| Living Expenses

Dwelling Coverage

Dwelling coverage pays for repairing or renovating your home and its attached physical structures (garage, chimneys, fence, countertops, flooring, cabinets, etc.) when they are damaged by covered perils, such as:

  • Theft
  • Fire or smoke
  • Explosion
  • Lightning
  • Vandalism
  • Snow, sleet, or ice
  • Hail
  • Falling objects
  • Aircraft or motor vehicle crash
  • Windstorms

Personal Property Coverage

Personal property coverage helps protect your personal belongings, such as furniture, appliances, and clothing, against a wide range of risks. This policy can be of two types depending on the perils that are covered or excluded.

  1. Named Perils Policy
    It protects your personal possessions only against perils that are specifically named in the policy, such as:

    • Riots or civil disturbances
    • Lightning or fire
    • Smoke damage
    • Explosions
    • Theft or vandalism
    • Hail or windstorm
    • Frozen pipes
    • Falling objects
  2. Open Perils Policy
    It covers the damage or loss of your personal property due to almost any type of risk except those specifically excluded from the policy. Standard home insurance policy excludes coverage for:

    • Faulty construction
    • Corrosion
    • Natural wear and tear
    • Earthquakes and floods
    • Mold
    • Insects, vermin, rodents, and pets
    • Pressure from tree roots

Liability Protection

Liability protection covers lawsuits filed against you or your family member for causing third-party property damage or bodily injury. It may cover:

  • Legal expenses
  • Attorney fees
  • Settlement fees

Guest Medical Protection

Guest medical protection pays for your guests’ medical expenses when they are injured on or around your property. It can pay for:

  • Hospital stays, visits to the dentists, and other medical procedures
  • Ambulance rides
  • X-rays

Additional Living Expenses Coverage

This coverage pays for lodging and other additional expenses incurred if your home becomes uninhabitable after a covered peril. It may cover:

  • Boarding of pets
  • Temporary housing (rental home or hotel room)
  • Fuel costs
  • Parking fees
  • Laundry costs
  • Utility bills
  • Moving costs
  • Storage costs
  • Food expenses (groceries, cooking supplies, and restaurant bills)
  • Public transportation costs