Coverages You Need
Many homeowners insurance policies automatically combine many of these coverages; however it’s important to make sure you have each type that you need.
Loss of Use
For additional living expenses, you need loss of use
If your house becomes uninhabitable, this will cover the cost of renting an apartment, living in an extended stay hotel or similar solution....Read More
For injury or property damage you cause to others or that occurs on your property, you need liability
Covers medical bills and property damage you, your children or your pets cause or that result from an incident on your property....Read More
For your condo, you need dwelling
Covers the physical structure of your house.
For the contents of your home, you need personal property
Covers personal items both in your home and stored off-premises. Expensive items generally have dollar limits and may require a policy addition, or floater, to recoup their full value....Read More
For your detached garage or shed, you need additional structures
Covers house-like structures on your property, but not attached to your home.
For regional natural disasters, you may need flood or earthquake
Covers damages from regional weather occurrences.
For specific vulnerabilities, you need specialty coverages
Consider adding coverage for identity fraud, sewer backup, equipment breakdown, assistance while traveling or pets. Any possession you would need financial help replacing should be considered as an insurance need....Read More
For income properties, you need rental
Properties you collect rent on need their own specific type of coverage. Visit the Rental Properties page for more info....Read More