Homeowners > Coverages
What Is Home Insurance Coverage?
Home insurance helps protect your home, personal belongings, and liability in the event of a covered loss. We shop with multiple carriers to find the best coverage at the best price, ensuring you have the protection you need.
What Does a Homeowners Insurance Policy Cover?
Your home is more than just a building—it’s where life happens. That’s why we shop with multiple carriers to help provide comprehensive coverage for your home, personal belongings, and liability protection in case of unexpected events.
Property Coverages
Dwelling Coverage
Helps cover damage to your home and any structures that are permanently attached, such as an attached garage.
Other Structures Coverage
Provides protection for structures on your property that aren’t attached to your home, such as detached garages, sheds, privacy fences, and gazebos.
Personal Property
Protects your furniture, appliances, clothing, and valuables from covered losses like theft, fire, and storms.
Inflation Protection
Adjusts coverage to keep pace with rising construction costs.
Loss of Use
Helps cover additional living expenses if your home becomes uninhabitable due to a covered loss.
Liability Coverages
Personal Liability
Provides financial protection if you’re legally responsible for injuries or property damage to others.
Medical Payments to Others
Covers medical expenses if a guest is accidentally injured on your property.
Additional Coverages
Debris removal, fire department service charges, temporary repairs, and more to help you recover quickly from unexpected events.
Coverage in Action
Imagine you’re at home watching a storm roll in. Suddenly, strong winds send a tree crashing through your roof and into your bedroom. The dwelling coverage in your homeowners insurance policy would help cover the cost to repair or replace the damage, so you can restore your home without facing a major financial burden.
Frequently Asked Questions About Homeowners Insurance Coverage
How much home insurance should I get?
Your home is one of your biggest investments, so it’s essential to choose the right coverage amount. Consider these factors when determining your coverage needs:
Replacement Cost Estimate – The cost to rebuild your home, not just its market value. You can:
- Request a replacement cost estimate during a home appraisal.
- Consult with a local builder for a rebuilding cost estimate.
- Let us help you compare options with multiple specialty insurers to find the best coverage.
Factors That Affect Your Home’s Replacement Cost:
- Upgraded bathrooms or kitchens
- Finished or partially finished basements
- Additional rooms or living spaces
- Custom molding, arched windows, or other unique features
- Age and construction style of the home
Does homeowners insurance cover water damage?
Yes – If the damage is caused by a burst pipe, leaking appliance, or other covered event.
No – If the water damage is caused by flooding from an external source, such as a river or storm surge.
If you live in a flood-prone area, we can help you find flood insurance through specialty flood insurers or the National Flood Insurance Program (NFIP).
Are sheds or detached garages covered by home insurance?
Yes – Most policies include other structures coverage, which protects detached garages, sheds, barns, fences, gazebos, greenhouses, shops, and docks.
What's the difference between market value and replacement cost?
Market Value – The amount a buyer would pay for your home, including the land.
Replacement Cost – The estimated cost to fully rebuild your home after a covered loss.
Does home insurance cover lost items?
No – Standard homeowners insurance typically does not cover misplaced items. However, personal articles policies can provide additional coverage for valuables.
Does homeowners insurance cover air conditioner replacement?
Yes – If damaged by a covered event such as fire, storm, or theft.
No – If the damage is due to wear and tear, maintenance issues, or old age.
Does home insurance cover rentals?
No – Standard homeowners policies do not cover rental properties. If you rent out your home, you’ll need rental property insurance to protect your investment.
Are there coverage limitations?
Yes. Homeowners policies have special limits on certain valuables. Common coverage limitations include:
- Cash, banknotes, and coins
- Business property stored at home
- Watercraft, trailers, and related equipment
- Firearms (theft coverage limit applies)
- Silverware, goldware, and rugs (theft coverage limit applies)
If you have high-value items, we can help you find additional coverage to protect them properly.
Helping You Find the Right Coverage
We don’t just offer one-size-fits-all policies—we shop with multiple specialty insurers to find the best coverage at the best price. Plus, we believe in educating you about your options so you can make the best decision for your home.
Have more questions? Let’s find the right coverage for you today!