This pays to repair or rebuild your home if it's damaged by a covered risk like fire, wind, hail, or vandalism.

It covers the structure itself — walls, roof, flooring, and built-in appliances — but not the land.

Protection applies to your home whether it's a total loss or just partial damage.

The coverage amount is based on the cost to rebuild your home, not its market value.

Choosing the right limit ensures you can fully restore your home after a disaster.

This covers buildings on your property not attached to your main home, like garages, sheds, or fences.

Protection applies to damage from covered risks, similar to your dwelling coverage.

It's especially important if you have detached living spaces, workshops, or gazebos.

Coverage is usually a set percentage of your dwelling limit, often around 10%.

We can adjust this limit if you have large or valuable structures.

Pays to repair or replace your belongings if they're stolen or damaged by a covered event.

Includes furniture, clothing, electronics, kitchen appliances, and more.

Coverage applies even if your items are outside your home, like in your car or on vacation.

There are limits for high-value items such as jewelry or art, so you may need extra coverage.

You can choose between replacement cost coverage or actual cash value.

Protects you financially if someone is injured on your property and you're legally responsible.

Also covers accidental damage you cause to someone else's property.

Helps pay for legal defense fees, settlements, and judgments.

Coverage typically starts at $100,000 but can be increased for more protection.

It's essential for safeguarding your assets and future earnings.

Covers your living expenses if a covered loss makes your home uninhabitable.

Pays for hotel stays, temporary rentals, restaurant meals, and related costs.

Allows you to maintain your normal standard of living during repairs.

Coverage continues until your home is restored or you find permanent housing.

Limits are usually a percentage of your dwelling coverage.

Pays for small medical bills if a guest is injured on your property, no matter who's at fault.

Covers costs like X-rays, stitches, or ambulance rides.

It's designed for minor injuries to avoid legal disputes.

Coverage applies even if the injury didn't happen inside your home (e.g., in your yard).

Typical limits range from $1,000 to $5,000.