Homeowners Insurance is a contract between you and your Insurance Company. It can provide coverage for your home and your belongings as well as legal responsibilities you may incur as a result of injury or property damage you or members of your family may cause to others. In exchange for your premium payment, your Insurance Company agrees to pay losses as defined in your policy.
If damaged by a covered cause of loss, Dwelling Coverage pays to repair or rebuild your home.
Detached structures like garages, fences, and sheds on your property can be covered if damaged by a covered cause of loss.
Your personal items such as furniture, clothing, and electronics can be covered if damaged by a covered cause of loss.
If a covered cause of loss means that your home can’t be lived in, this coverage provides additional housing and living expenses while repairs are being made.
If you or a household family member is responsible for causing injury or damage to other people or their property, coverage can be available to pay for the injury or damage. This can include guests who are injured on your property. Additionally, coverage can be provided for legal defense for injury or damage to others.
Replacement Cost Coverage for Home, Other Structures and Personal Property
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