Coverages in a Homeowners Policy

Most homeowners insurance policies provide a package of coverages. Keep in mind that you’re covered only if the loss is caused by a peril your policy covers. For example, if your home becomes unlivable due to an earthquake and your homeowners policy doesn’t cover earthquakes, your policy won’t pay for loss of use of your home. Review your policy for the limits of your coverage.


Pays for damage to your house and to structures attached to your house. This includes damage to fixtures, such as plumbing, electrical wiring, heating and permanently installed air-conditioning systems. Other Structures. Pays for damage to fences, tool sheds, freestanding garages, guest cottages and other structures not attached to your house. Personal Property. Reimburses you for the value of your possessions, including furniture, electronics, appliances and clothing, damaged or lost even when they aren’t on your property, such as those at an off-site storage locker or with your child at college.

Loss of Use

Pays some of your additional living expenses while your home is being repaired.

Personal Liability

Covers your financial loss if you are sued and found legally responsible for injuries or damages to someone else.

Medical Payments

Pays medical bills for people hurt on your property or hurt by your pets.

There are other types of insurance for other types of residences. If you own a townhouse, you may insure it through either an individual homeowners policy or an association master policy. If you live in a mobile home that has wheels and doesn’t rest on blocks or a permanent foundation, in most states you’ll buy a form of automobile insurance. This insurance offers far less coverage than homeowners policies. If your home is on land used for farming or raising livestock, ask about a farmowners policy.

Standard Homeowners Coverage

Included with Every Policy

Your homeowners policy includes coverage to help pay for repairs or to rebuild your home and other buildings on your property. This is the core of a home insurance policy.

At Home and on the Road

Your homeowners insurance policy protects your personal property, like your furniture, TV, clothing, books, computer, sporting goods and kitchen gadgets. Your belongings are protected when they’re at home or with you anywhere in the world, from across town to across the equator.

Protection for People

Home insurance is also about people. It protects your guests if they’re injured in your home or yard. It protects you in some situations if you’re held legally responsible for damage caused to someone else’s property, such as if your self-propelled lawnmower drives off and crashes through the neighbor’s greenhouse. You and your family are protected against bodily injury, property damage claims and litigation.

Temporary Housing and Expenses

If you’re unable to live in your home while it’s being repaired or rebuilt after a covered loss, additional living expenses helps pay the cost of temporary housing and living expenses for up to 24 months.

Home Insurance Features and Coverage Options

Whether you need a homeowners insurance policy with basic coverage or a fully-loaded policy with increased protection, we give you the flexibility to choose.Talk to your local agent for personal advice about product availability in your area and how much coverage is right for you. We’ll help you make sure your home is properly protected.

Identity Recovery

For only $1 a month, we’ll help cover the cost of restoring your identity if you’re the victim of identity theft. Identity-recovery coverage provides up to $25,000 for lost wages and expenses related to recovering your identity as well as personal one-on-one assistance. You can reduce your risk by learning how to prevent identity theft.

Jewelry, Art and Antiques

If you have valuable keepsakes like fine art, jewelry, antiques and other collectibles, like your grandmother’s Victorian sideboard and crystal stemware set, you may need extra protection. With valuable articles coverage, belongings you specify are protected by an agreed dollar amount, and there is no deductible.

If the Refrigerator Is Warm

You had your heart set on an ice-cold soda. But when you reach into the refrigerator, all your beverages are room temperature. For only $2 a month, equipment breakdown coverage will replace a covered appliance with an Energy Star® rated appliance of like kind and quality in the event of an unexpected mechanical or electrical breakdown not caused by normal wear and tear or corrosion. Skip costly home warranties and big-box retailer extended warranties.

For What It’s Worth

If you sold your dining room table and chair set in a yard sale, you’d probably get less for it than what it would cost to buy a new set in the furniture store. personal property replacement cost protection will help pay for the cost to purchase a new dining set that is of similar size and style as the one you lost. Same goes for your TV, clothing, sporting goods, bed and other covered belongings. In the event of a covered loss, we’ll pay the actual cost to replace your things that were damaged, lost or stolen, regardless of their age and condition, up to the limits and deductible you select.

Multiple Losses, One Deductible

Combine your home and auto policies as a Package and become eligible for a single loss deductible. If your car, motorcycle, boat or RV is damaged in the same event as your home, you may only have to pay one deductible. For example, if a tree falls and damages both your garage and your car, we’ll waive your auto deductible after your home deductible is paid.

What About Flooding?

Homeowners policies don’t cover flood damage. Depending on where your home is, you may qualify for flood insurance through the National Flood Insurance Program or through a private insurer. Contact an insurance agent for more information. If your home is in a flood plain, your mortgage lender will usually require you to buy flood insurance.