What’s covered: check out the details

Dwelling

Financially protects your home's structure in the event it is damaged or destroyed by a covered risk. There’s no deduction for depreciation — even if a loss occurs — regardless of the age of your home.

Adjacent Structures

Pays for damage or destruction to unattached or adjacent structures on your property. Covers fences, breezeways, carports, storage sheds and detached garages.

Personal Property

Covers the contents of your home, including furniture, electronics, clothing and appliances, if they are stolen, damaged or destroyed.

Scheduled Personal Property Endorsement

Covers possessions, including jewelry, furs, stamps, coins, guns, computers, antiques, etc., up to a specified limit. Each article is itemized and detailed, and excluded perils also are outlined.

Personal Liability Protection

Protects you and your family against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.

Loss of Use

Pays for additional living expenses if your home is too damaged to live in due to a covered loss.

Medical Payments

Covers medical bills for people hurt on your property. Also pays for some injuries that may happen away from your home, even if your dog bites someone.