Homeowners insurance

Standard Coverages:

• Dwelling Coverage

  Helps protect your home's structure, built-in appliances and wall-to-wall carpet from damage.

• Contents

  Helps cover your personal property not attached to or built into your home, such as furniture and clothing.

• Personal liability

  If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

• Medical payments to others

  May help pay for medical or funeral expenses of someone who is injured on your property.

• Ordinance or law insurance

  May help pay to rebuild your home to current building codes after a covered loss.

• Other structures

  Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.

• Loss of use

  Coverage to help pay for additional living expenses if you're unable to live in your home due to a covered loss.

• Credit card coverage

  Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money.

Optional Coverages:

• Identity theft

  Helps keep personal data secure amid a growing number of risks and cybercrimes.

• Valuables Plus

  Provides additional coverage for high-value items such as jewelry, watches, antiques and fine art.

• Dwelling Replacement Cost

  Can pay up to two times your dwelling coverage limit if your home needs to be rebuilt after a loss.

• Water backup

  Provides coverage if water backs up through your sewer, drains or your sump pump overflows.

• Earthquake

  Provides coverage for earthquake damage. A separate deductible applies.

• Flood insurance

  This option protects your house and its contents from flood damages. It is a separate policy with its own deductible.