Homeowner Insurance

Coverages

Coverage A - Dwelling: 

Dwelling coverage protects your home against certain risks, or perils, covered by your policy.

If your home is damaged or destroyed by a covered peril and you submit a claim for a loss, your insurer may reimburse you up to the dwelling limit in your policy.

Coverage B - Other Structures: 

Covering structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. The limit of insurance for all other structures combined is 10 percent of the dwelling limit

Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence

Coverage C - Personal Property: 

Personal property is essentially any property except for real estate. The main thing that differentiates personal property from real estate is that you can move personal property, which you cannot do with land or buildings, which are permanent fixtures.

Includes everything from jewelry to clothing to home furnishings, and nearly everything else you own, and it is also known as chattel and movable property.

Coverage D - Lose of Use: 

Loss of use coverage may reimburse you for additional living expenses while your home is repaired or rebuilt. It may also reimburse you for lost rental income.

Coverage E - Personal Liability

Personal liability occurs in the event of an accident, in or out of your home, that results in bodily injury or property damage that you are held legally responsible for.

Coverage F - Medical payment

Personal liability occurs in the event of an accident, in or out of your home, that results in bodily injury or property damage that you are held legally responsible for.

Deductible 

All Other Perils Deductible

A peril is an event, like a fire or break-in, that may damage your home or belongings. The perils covered by your homeowner's insurance are listed in your policy.

Hurricane Deductible

 a hurricane deductible on a homeowners insurance policy: an extra amount a homeowner must pay before the insurer will cover the damage or destruction caused by a hurricane

Examples of covered perils (16 perils)

  • Fire or lighting

  • Theft

  • Windstorm or hail

  • Explosion

  • Roit or civil commotion

  • Aircraft

  • Vehicles

  • Smoke

  • Vandalism

  • Falling Objects

  • Weight of snow, ice or sleet

  • Accidenal discharge to water heater or HVAC

  • Freezing

  • Power surges

  • Volcanic eruption

Important Coverages

Water Back-up

Is one of the most useful homeowners insurance endorsements, protecting your home and personal property from sewage or sump pump backups

Fungi, Wet or Dry Rot and Bacteria

Covers fungus damage, cleanup, and repair. It covers loss or damage by fungus, wet or dry rot, or bacteria if the fungus, dry rot, etc. results from a specified cause of loss other than fire or lightning.

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