Question 1

What is a covered vs. a non-covered loss?

Accepted Answer

A covered loss, also known as a covered peril, is a type of damage or event your insurance policy will cover. A non-covered loss is something the policy specifically excludes. Examples of covered losses: Theft Falling objects Fire and smoke damage Examples of non-covered losses: Floods Earthquakes Pest infestations

Question 2

Do I need to have personal liability coverage and medical expense coverage for my home?

Accepted Answer

Yes, both coverages are important. Personal liability coverage helps protect you financially if someone is injured at your home (think: a dog bite) or their property is damaged and you’re found responsible. Medical payment coverage helps pay for minor injuries to guests on your property, regardless of who is at fault.

Question 3

What does dwelling coverage include?

Accepted Answer

Dwelling coverage helps pay to repair or rebuild your home if it’s damaged by a covered event, such as fire, wind, or vandalism. It typically includes the structure of your house and anything attached to it, including the roof, garage, and deck. Note that dwelling coverage does not protect detached structures (such as sheds or fences), your personal belongings, or damage from excluded events like floods or earthquakes.

Question 4

What if I have a loss and can't stay in my home?

Accepted Answer

If your home is unlivable due to a covered loss, your policy’s Additional Living Expenses (ALE) or Loss of Use coverage can help. It pays for temporary housing, meals, and other extra costs you incur while your home is being repaired or rebuilt.

Question 5

What protects my personal property?

Accepted Answer

Your homeowners, renters’, or condo insurance includes personal property coverage, which helps pay to repair or replace your belongings if they’re damaged or stolen due to a covered event such as fire, theft, or vandalism.

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Homeowners insurance

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You've spent a lifetime building it. We'll spend a lifetime protecting it.

Commonly asked questions

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Homeowners insurance

Commonly asked questions