Homeowners Insurance Coverages
Dwelling – The house structure itself
Other structures – These are structures or buildings that are not attached to your home, such as a tool shed or detached garage.
Personal property – The contents of your home are your personal property. This coverage protects your furniture, appliances, televisions and clothing.
Loss of use – When a loss occurs and you're no longer able to live in your home, the cost of additional living expenses are covered.
Personal liability – Provides coverage for compensatory damages if you're legally liable for someone else's bodily injury or property damage as a result of an accident.
Examples of bodily injury, property damage and medical expense coverages may include:
- Medical expenses for others' bodily injury caused by an accident on your premises, such as slips and falls
- Liability to others
- Liability due to unpaid volunteer services
- Damage caused by negligence of children, acts of pets and sporting activities
Essential extras
Sometimes, a little extra coverage is in order to make owning your home a true worry-free experience. The Davis Agency will help you know if you need coverage for:
Replacement cost coverage - Pays to replace your home and contents up to the policy limits, in the event of a covered loss.
Identity theft coverage - Pays for expenses incurred as a result of identity theft, such as lost wages and expenses associated with repairing the damage caused by your identity being stolen.
Additional coverage - Protects high-value items such as jewelry, artwork and collectibles.
Back up of sewers and drains coverage - Provides coverage for losses caused by water which backs up through sewers or drains, or water that enters into and overflows from within a sump pump or sump pump well.
Personal computer coverage - Provides coverage for personal computers, equipment, media, and data.
Equipment breakdown coverage - Provides coverage for damage to covered equipment resulting from sudden and accidental mechanical or electrical breakdown, such as heating and cooling systems, ventilation systems and fans, backup generators, electric service panels, pool equipment, and central vacuum systems.