Home Insurance

This is the BIG number on your home insurance policy. It represents the estimated rebuild value of your home if it were to suffer a total loss. This is not to be confused with the market, assessed or appraised value of your home.

This is usually at least 5 to 10% of the Dwelling Coverage and is meant to cover the cost of repairing any structures on your premises outside of the main home. Some examples are: sheds, guest houses, fences, retaining walls, pools and other separate structures.

This is usually at least 30% of the Dwelling Coverage and covers all your contents on premises. If you were to flip your house upside down, anything that would fall out could be considered personal property or contents. Certain special property such as jewelry, artwork, collectibles and instruments are subject to a special sublimit and should be reviewed.

This is anywhere from 25% of the Dwelling coverage to an unlimited number within reason. It covers the cost to secure alternative housing and related expenses after you are displaced from your home due to a covered claim. Many companies will reimburse you for the actual loss sustained within a 2 year time period after a claim.

Personal Liability Insurance covers you for third party (other than you and your household) bodily injury and property damage. An example of this would be a slip and fall caused by your negligence on the property from failing to keep the walkways free of ice or water.

Medical Payments can act as the first layer of protection when someone is injured on your premises. Medical payments coverage can help pay for minor medical bills if the injured party lacks health insurance, without the homeowner and household members admitting fault.

There are numerous additional coverages that can be added to your policy such as water backup/sump pump overflow, equipment breakdown, scheduled personal property, personal injury, underground service line coverage and many more!