Homeowners Insurance
Protect your most valuable asset with the right policy.
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**Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part**
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Whether you own a house, apartment, or condominium — the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.
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What Is Home Insurance?
Insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
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Homeowner policies differ by which losses are covered, which coverages you choose, and what type of residence you own.
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Common Coverage Options
Protection for Your Home
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Property or Dwelling Coverage: Typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
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Protection for You and Other People
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Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
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**When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
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Medical Coverage: This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
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Additional Living Expenses: If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is being assessed and your home is being repaired or rebuilt.
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Protection for Your Belongings: Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result from a covered loss.
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Scheduled Personal Property Coverage: If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
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If You Rent Out Your Home: Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
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PROTECT THE THINGS THAT MATTER TO YOU
Make an inventory list of your home and personal belongings. If possible, make a list as well as take photos or video — using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home.