Secure Your Home Today

This pays to repair or rebuild your home if it’s damaged by covered risks such as fire, wind, hail, or vandalism. It protects the structure itself — walls, roof, flooring, and built-in appliances — but not the land.

Coverage applies whether your home suffers partial or total damage, and the limit is based on the cost to rebuild, not market value. Choosing the right coverage ensures you can fully restore your home after a disaster.

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Covers damage to structures not attached to your main home, such as garages, sheds, fences, workshops, or gazebos. Typically set at around 10% of your dwelling coverage, this limit can be adjusted for larger or more valuable structures, ensuring your entire property stays protected from covered risks.

Pays to repair or replace your personal belongings if they’re damaged, destroyed, or stolen. This includes furniture, clothing, electronics, kitchen appliances, and more. Coverage applies even when items are outside your home, like in your car or on vacation. High-value items such as jewelry or artwork may have limits, so additional coverage might be needed. You can choose between replacement cost or actual cash value for your coverage.

Provides financial protection if someone is injured on your property or if you accidentally damage someone else’s property. It helps cover legal defense fees, settlements, and judgments. Standard coverage typically starts at $100,000, but higher limits can be chosen for added protection, ensuring your assets and future earnings are secure.

Pays for living expenses if a covered loss makes your home uninhabitable, including hotel stays, temporary rentals, meals, and other related costs. Coverage helps you maintain your normal standard of living until your home is restored or you secure permanent housing. Limits are typically a percentage of your dwelling coverage.

Covers small medical expenses if a guest is injured on your property, regardless of fault. This includes costs like X-rays, stitches, or ambulance rides, helping to prevent legal disputes over minor injuries. Coverage applies even if the injury occurs outside your home, such as in your yard, with typical limits ranging from $1,000 to $5,000.