Homeowners Insurance Coverage

Helps you with the repair or rebuilding of the main structure of your home in the event of fire, windstorms, vandalism, and more. In other words, it will help you cover all the expenses that may arise when fixing your damaged home. It protects the physical building and any attached structure.

Protects your additional buildings on the insured property that are detached from your main building, such as a detached garage, a shed, or a gazebo. It will protect you against damage from similar risks covered for the main dwelling, offering financial help to repair or rebuild these structures if they are damaged by covered events.

Refers to the possessions and belongings owned by an individual that are not permanently attached to the home or dwelling. This includes items such as furniture, electronics, clothing, jewelry, and appliances. Personal property coverage in an insurance policy protects you against loss or damage to these items from covered perils, like theft or fire, and helps cover repair or replacement costs.

Provides financial compensation to policyholders when their home becomes uninhabitable due to a covered peril, such as fire or severe storm damage. It covers additional living expenses incurred if the policyholder needs to live elsewhere temporarily, which may include costs for accommodation, meals, and other necessary services that exceed normal living expenses. The aim is to maintain a comparable standard of living while the primary residence is being repaired or rebuilt.

Provides financial protection if you are found legally responsible for causing bodily injury to someone else or damage to another person's property. For covered losses, it covers legal defense costs and financial judgments against you, up to the policy's limit. This coverage helps to shield your assets from lawsuits or claims that can arise from everyday incidents, whether they occur on your property or as a result of your activities.

Pays for medical expenses for individuals injured on your property, regardless of who is at fault. This coverage is typically available without the need for legal action and is meant to facilitate prompt care for minor injuries, up to the limit specified in the policy. It serves as a goodwill gesture and can help prevent more extensive liability claims.