Home Insurance Coverage

A home policy is built from several covers. Here is what each one is meant to handle.

Reading a policy

Every Cover Has Its Own Job and Its Own Limit

A home policy is not a single promise. It is a bundle of covers, and each one answers a different kind of loss. One looks after the building, another your possessions, another the people who visit.

Each cover also carries a limit, which is the most the policy may pay for that kind of loss. I take them one by one with you, so a gap in one place does not hide behind a strong figure in another.

What I do

The Covers I Help You Set Up

Dwelling

The main cover for the building itself. I help you pick a limit based on what rebuilding would take, not on the market price.

Other Structures

Fences, sheds and a detached garage sit under a limit of their own. I check that it reflects what stands on your lot.

Belongings

Furniture, clothes and electronics add up quickly. I help you estimate their worth so the limit is not a guess.

Liability

If someone is hurt at your place and you are held responsible, this cover may help with legal and related costs.

Guest Medical

May help pay smaller medical bills for a visitor injured at your home, no matter who was at fault.

Loss of Use

When a covered loss leaves the house unlivable, this can help with a place to stay and added living costs until repairs are done.

Know the edges

What a Standard Policy Tends to Include and Leave Out

Often included

  • Fire and smoke
  • Wind and hail
  • Theft and vandalism
  • Sudden indoor pipe bursts

Often left out

  • Flood water rising from outside
  • Earthquakes and ground movement
  • Wear, rot and gradual leaks
  • Pest and rodent damage

No two policies are worded alike. I read yours with you, so these general lists turn into specifics for your home.

Small umbrella held over a white model house on a desk
Two figures to weigh

Limits and Deductibles Work as a Pair

The limit is the ceiling on what a policy may pay. The deductible is the share you carry before it pays anything. Moving one usually changes the price of the other.

Setting the limit

I base the dwelling figure on rebuild cost, counting materials and labor where you live.

Picking the deductible

A higher one can lower the premium, yet it has to be an amount you could cover yourself.

Start Your Cover
Three steps to cover

From Signup Form to a Home Policy That Fits

Start Signup

  1. Describe your home

    Fill in the signup form with the basics: the year your house was built, the roof type and how it is used.

  2. Set each limit

    I set dwelling, belongings and liability limits by what the house and its contents could cost to replace.

  3. Confirm your cover

    Choose a deductible you could manage after a loss, look over the policy details and confirm your request.