Personal Property Coverage
A strong homeowners program should help protect the structure itself, the belongings inside it, and the financial impact of liability or displacement after a covered event.
Home insurance should reflect the structure, contents, liability exposure, and the practical reality that a covered loss can affect far more than just repair costs. Supplemental flood or earthquake planning may also be important depending on location.
Core Coverages
Covers the structure of your home.
Covers your belongings inside the home.
Covers injuries or damage you cause to others.
Pays for temporary housing if your home is unlivable.
Covers minor injuries to guests.
Covers flood damage through separate protection.
Covers earthquake-related damage.