Dwelling
This coverage pays for damage or destruction to your house and any unattached structures and buildings. While perils such as fire, wind, vandalism and falling objects are covered under a standard policy, earthquake and flood need to be written on a separate policy.
Other Structures
This covers structures that are detached and clearly separated from the main residence, such as a detached garage, tool shed, or fence.
Personal Property
Personal property coverage protects against loss for the contents of your home if they are damaged, destroyed or stolen. (You may have items of personal property that may need to be ‘scheduled’ on a personal article floater to be fully protected.)
Personal Liability
This protects you against financial loss if you are found responsible to another person for their injury or property damage.
Medical Payments
Medical payments pays the immediate medical expenses for injuries sustained on your property. It’s a “no-fault” coverage, which means that negligence does not have to be established for payments to be made.
Loss of Use
This pays for additional living expenses if you need to relocate temporarily so your home can be repaired.
Other Coverage
You can obtain additional endorsements to your homeowner policy such as guaranteed replacement cost, increased limits on money and securities, secondary residence premises endorsement, watercraft endorsement and others.