What’s Covered
The physical structure of your home, including walls, roof, floors, and built-in fixtures, against covered perils such as fire, wind, hail, and vandalism.
What’s Excluded
Flood, earthquake, wear and tear, neglect, or intentional damage.
Example Claim
A fire causes $150,000 in damage to your home. Say you have a $2,500 deductible — you pay your deductible, and the insurer pays the remaining repair costs up to the limits of your policy.
Key Policy Tip: Share unique features and quality details of your home so the dwelling coverage limit is set appropriately.
What’s Covered
Furniture, clothing, electronics, and other personal belongings against covered perils.
What’s Excluded
High-value items (such as jewelry, art, or collectibles) unless specifically scheduled on the policy; flood; earthquake; normal wear and tear.
Example Claim
A burglary results in $15,000 of stolen belongings. Say you have a $2,500 deductible — you pay your deductible, and the insurer pays the remaining amount up to the limits of your policy.
What’s Covered
Bodily injury or property damage to others that you are legally responsible for.
What’s Excluded
Injury or damage intentionally caused by you, business-related liability, or liability from certain breeds of dogs (varies by insurer).
Example Claim
A guest trips on your front steps and suffers $20,000 in medical bills. Your policy pays up to the limits of your liability coverage.
What’s Covered
Additional living expenses if your home becomes uninhabitable due to a covered loss.
What’s Excluded
Losses due to uncovered perils, normal maintenance, or voluntary evacuation.
Example Claim
A kitchen fire forces you to move out for repairs. Your insurer covers hotel and meal costs up to the limits of your policy.
What’s Covered
Detached garages, fences, and sheds against covered perils.
What’s Excluded
Structures used for business or rented to others without disclosure.
Example Claim
A windstorm causes $8,000 damage to your detached garage. Say you have a $2,500 deductible — you pay your deductible, and the insurer pays the rest up to the limits of your policy.
Optional Coverage — must be added to policy
What’s Covered
Damage from water backing up through sewers, drains, or sump pumps.
What’s Excluded
Flooding from external sources, gradual seepage.
Example Claim
A sump pump failure results in $10,000 water damage to your basement. Coverage applies, and a deductible may apply.
Optional Coverage — must be added to policy
What’s Covered
Provides up to 25% additional coverage for dwelling reconstruction costs above the policy limit in the event of a covered loss.
What’s Excluded
Losses due to uncovered perils, standard exclusions like flood or earthquake.
Example Claim
A covered fire rebuild costs $375,000, exceeding your $300,000 dwelling limit. Extended Dwelling Coverage provides the extra $75,000.
Optional Coverage — must be added to policy
What’s Covered
Repair or replacement of exterior underground service lines (e.g., water, sewer, electrical) damaged by covered perils.
What’s Excluded
Wear and tear, poor installation, or damage from excluded perils.
Example Claim
A tree root cracks your water line, causing $4,500 in repairs. Coverage applies, and a deductible may apply.
