Homeowners insurance is made up of coverages that help pay to repair or replace your home and belongings if they are damaged by certain perils such as fire or theft. It may also help cover costs if you accidentally damage another person’s property or if a visitor is injured at your home.

Typically, most standard policies do not include:

  • Guaranteed Replication Cost – Replacement cost coverage that promises to replicate your home regardless of the cost and with quality materials. Most standard policies cap replacement value and provide builders-grade materials.
  • Cash Settlement – Gives you the option to rebuild your home on-site or take a cash settlement.
  • Identity theft protection and restoration services
  • Unlimited back-up of sewer and drain coverage
  • Business personal property coverage of $25,000 – most policies provide substantially lower limits of business property on or away from your residence.
  • Earthquake Coverage