Pays to repair or rebuild your home - including electrical wiring, plumbing, roofing, heating and air conditioning - if damaged by a covered cause of loss. It's important to buy enough dwelling coverage to cover the cost to rebuild.
Not applicable with Renters Insurance (The property owner insures the structure against damage & loss).
Condo owners will want to consult their condo by-laws to find out what portions of the structure they are responsible for.
Other structures coverage
Pays for damages to detached structures like garages, sheds, fences and cottages on your property.
Personal property coverage
Reimburses you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics.
Loss of use coverage.
Pays your additional housing and living expenses if you must move out of your home temporarily while it's being restored.
Helps protect your assets and cover your defense costs in the event of a lawsuit if you or your family members are responsible for causing injuries or damage to other people or their property.
Common Additional Coverages
- Sump Pump Failure & Sewer/Water Backup
- Earthquake/Volcanic Eruption
- Identity Theft
- Scheduled high-dollar personal property (like jewelry)
- Home Business/Office coverage
& many more