Covers accidents of bodily injury and property damage someone else may suffer (e.g. a visitor falls in your home). It can also cover damage and injuries caused by your children or pets (e.g. your pet bites someone, or your child breaks someone’s window).

Provides compensation for damages to the physical home and its attached structures. It covers against fire, wind, hail, lightning, smoke, explosions, falling objects, theft, vandalism, and more. It doesn’t generally cover things like fences and outdoor signs.

Provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. You can also obtain optional policy floaters to cover your more expensive items such as jewelry, furs, art, and electronics.

Coverage for Additional Living Expenses helps cover costs related to temporarily moving if you can’t live in your home due to disaster. If a fire or storm destroys your home, this coverage can help with the cost of food, temporary shelter, and more.