Protect Your Home — and Everything Inside It

A standard homeowners policy (HO-3 or HO-5) typically includes:

• Dwelling Coverage (Coverage A): Repairs or rebuilds your home after covered perils like fire, hail, or vandalism.

• Other Structures (Coverage B): Covers fences, garages, and sheds.

• Personal Property (Coverage C): Protects furniture, electronics, and belongings — even when you’re away from home.

• Loss of Use (Coverage D): Pays for temporary living expenses if your home becomes uninhabitable.

• Personal Liability (Coverage E): Protects you if someone gets injured on your property or you damage someone else’s property.

• Medical Payments (Coverage F): Covers small injuries to guests, regardless of fault.

• Replacement Cost Coverage – Ensures your home and personal belongings are repaired or replaced at full value, without depreciation.
   
• Water Backup & Sump Overflow – Covers damage caused by backed-up drains, sewer lines, or sump pump failures (not included in standard policies).
   
• Equipment Breakdown Coverage – Protects against sudden mechanical or electrical failure of major systems like HVAC, appliances, or water heaters.
   
• Service Line Coverage – Pays to repair or replace underground utility lines on your property, including water, power, gas, and sewer.
   
• Scheduled Personal Property – Adds specific protection for high-value items like jewelry, firearms, art, or collectibles that exceed basic policy limits.
   
• Inflation Guard & Ordinance or Law – Adjusts your coverage automatically to match rising rebuild costs and covers code-required upgrades after a loss.