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Homeowner

A basic Homeowner policy covers the following:

  • Your home and other structures on your property —from the most common causes of loss
  • Personal belongings—furniture, clothing, appliances, etc.
  • Liability claims—claims against you for bodily injury and property damage
  • Medical payments to others—pays non-household members accidentally injured on your property

In addition to the base coverage, your Homeowner policy can include endorsements or special packages that provide additional coverage, for example:

  • Coverage for valuable articles like jewelry, artwork, musical instruments and collectibles.
  • Coverage for home-based businesses
  • Coverage for water back-up and sump pump overflow
  • Personal Injury—adds protection against more types of personal injury lawsuits (like invasion of privacy, wrongful eviction, or wrongful entry)
  • Identity Fraud—reimburses you for your legal fees, document duplication, mailing costs and more