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Home Insurance - What does it cover?

Your home is usually the biggest investment you will ever make. Making sure you are well protected is worth the time it takes to review all of your options. Your broker plays an important role in asking the right questions that will determine what coverage options are right for you.

Our goal is to provide you with the information you need to make educated decisions on how to best protect your investment. Our goal isn't to sell you insurance, but to help you buy it.

Below is a brief outline of some of the typical coverages available when insuring your home. Contact one of our brokers to get a complete explanation of your coverage options.

Your Dwelling

Protecting your home is the primary purpose of your home insurance policy. These types of policies provide coverage for losses that occur suddenly and accidentally and generally provide replacement cost coverage.

Detached Structures

Any detached structure on your property that is used for personal use can usually be included under the detached structure provision. This is included in your homeowners package and the limit of coverage will be based on the amount of coverage you have on your dwelling.

Personal Property

One of the coverages built into a homeowners' policy is coverage for your belongings against unforeseen loss or damage caused by an insured peril. The limit of insurance for Personal Property is also based on the amount of coverage you have on your dwelling.

Additional Living Expenses

If you have to move out of your home due to an insured loss, your homeowners' policy will cover the cost of necessary alternative living arrangements. It could also cover the cost of meals will you're out of your home.


Another important aspect of any homeowners' insurance policy is liability coverage. Bodily injury or property damage caused by your negligence is what this coverage is designed to cover you for.

Optional Coverages

No matter which coverage you choose for your home insurance, there are always optional coverages that are available to better protect your home. Things like Sewer Back Up, Service Line Coverage, Home Equipment Breakdown, and many more, are available for an additional premium.

If you are interested in a quote for Home Insurance, please Click Here to fill out a questionnaire, and one of our brokers will be in contact with you shortly.

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