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Dwelling Fire

Specialty Dwelling



Manufactured Home

Vacant Home

Air B N B

Personal Lines



Other Structures

Personal Property

Loss of Use



Optional Coverages

Additional % Cov A

Ordinance of Law

Sump Pump Overflow 

Personal Injury

Coverage Definitions: Homeowners


Coverage A

This number represents the cost of labor, materials, and equipment with debris removal to repair or rebuild your home if damaged by a covered loss.

Determined by calculating replacement cost value

Other Structures

Coverage B

Pays for covered damages to detached structures on your property. 



garage, shed, or fence 


% of Coverage A

Personal Property

Coverage C

Covers your Personal Property within your home damaged by a covered loss.

examples: clothing, furniture, appliances, belongings


% of Coverage A

Loss of Use

Coverage D

Covers necessary expenses in addition to your regular expenses to live someplace else while your home is being repaired due to a  covered loss.


% of Coverage A


Covers claims against an insured for bodily injury and property damage up to the occurrence limit.

($500,000 max)


Defense at the insureds expense.

Relates to personal Umbrella coverage.


Covers medical payments to others - guests  if they are injured on your property. 


Reimbursement of medical expenses within three years of an accident on your property causing bodily injury to others.

Optional Coverages

  • Additional % Coverage A


  • Ordinance of Law

  • Sump Pump Discharge Overflow

  • Extended Liability

Optional Coverages

  • Scheduled Personal Property


  • Personal Injury


  • Freezer Contents

Insure your home to 100% of replacement cost value!

Your home is likely the largest investment you will make in your lifetime.  Every home owner wants to know that their home and personal property are insured properly at all times.

Make some time to have a detailed conversation with us about your home coverages.  We  can show you the basis for your dwelling coverages. This simple process will give you peace of mind and confidence in your insurance policies.

Bundling your Home, Auto and Personal Umbrella coverages will save you money and give you coverage strength in the event of loss. 


Please discuss your insurance requirements with a licensed agent and refer to your actual insurance policy documents for coverages that apply to you and your situation.Coverage descriptions and definitions listed herein are for illustration purposes only and may not be available to you or to your specific situation.


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Photo credit : Linda S. Graham

                         Turnagain Arm 

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