Home Insurance
Protecting your house, and what makes it a home
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What is homeowners insurance?
Homeowners insurance helps cover the costs to repair or replace your home and belongings in the event they are damaged by covered threats like fire, theft and severe weather. Homeowners insurance is an important way to help ensure that you will be able to rebuild your home and replace the items in it should misfortune strike. Homeowners insurance can help protect you against the costs of property damage or destruction, and can also provide help to cover the costs of liability exposures if, for example, someone is injured on your property.
What Does Homeowners Insurance Cover?
A typical homeowners insurance policy (also known as an HO3 policy) generally covers your home and your personal property and helps cover the costs of losses that result from covered incidents like:
- Fire
- Windstorms
- Hail
- Lightning
- Vandalism
- Theft
- Weight of ice, snow, or sleet
- Freezing of plumbing, heating, air conditioning, or other household systems
Typically, damage caused by floods and earthquakes is not covered by basic homeowner insurance policies. Optional homeowner insurance coverages and policies may be available to cover damage due to such additional threats. Check with your insurance professional for help determining what coverage may be best for your specific needs.
Types of Home Insurance Coverage
A typical homeowners insurance policy includes several types of coverages, coverage limits and deductibles. Consider how the following coverages can help ensure your home and assets are covered.
Property Damage
Most home insurance companies offer policies to help protect your home and the structures directly attached to it. This protection, called dwelling coverage also helps cover the internal systems within the home, like: Wiring, Plumbing, Heating, Air conditioning limits.
Temporary Living Expenses
Loss of Use Coverage helps pay for your living expenses, up to your policy limits, if your home is unlivable after suffering a loss. If your house has significant fire damage, this type of homeowners insurance covers your stay in a hotel while the repairs are being done.
Medical Payments
Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. Insurance also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.
Personal Property
Personal property coverage covers losses of your personal belongings, like furniture, clothing and appliances. You can purchase additional valuable items blanket coverage for your expensive items including jewelry, artwork or collectibles.
Personal Liability
If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability protection can help cover your legal defense costs and any court judgments against you, up to your policy limits.
Other Structures
Homeowners insurance protects structures that are not directly attached to your home. For example, if your detached garage is damaged, other structures coverage can help with the repair costs.
Home Insurance Deductibles and Limits
Your home insurance deductible is the amount of a covered claim that is your responsibility to pay before your insurance starts to cover costs. When choosing your insurance deductible, consider how much you’re prepared to pay should you have a covered claim.
Your home insurance coverage limits (the dollar amount of homeowners insurance coverage you buy) starts with your dwelling coverage. The limits of coverage for the other standard coverages in your homeowners policy are typically calculated as percentages of the dollar amount of your dwelling coverage limit.
Additional Homeowners Insurance Coverages
The following coverages can typically be added to a primary homeowners policy and provide a great way for you to work with your insurance representative to customize your policy to your specific needs.
Special Personal Property Coverage
This special coverage for personal property or contents can provide broader protection for your possessions in the event of a covered loss. It can cover your personal property in more situations than a homeowners policy.
Contents Replacement Cost
Personal property replacement cost coverage helps cover personal property losses based on their replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry and watches.
Additional Replacement Cost Protection Coverage
Additional replacement cost coverage helps provide an additional amount of coverage to help repair or rebuild your home if the dwelling coverage on your home is not enough to cover the cost to repair or rebuild after a covered loss.
Water Backup and Sump Pump Discharge or Overflow
Does home insurance cover water damage? If water backs up from a sewer or drain within your home, or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. This does not include coverage for flood or surface water backup.
Jewelry and Valuable Items
Does homeowners insurance cover theft? Travelers Valuable Items Plus coverage can provide higher limits and expanded protection for special classes of property such as jewelry and silverware.
Jewelry and Valuable Items
Does homeowners insurance cover theft? Travelers Valuable Items Plus coverage can provide higher limits and expanded protection for special classes of property such as jewelry and silverware.
Identity Fraude
Travelers identity fraud expense reimbursement coverage can provide up to $25,000 that can help cover expenses to restore your identity if it’s used fraudulently.
Green Home Coverage
Green home coverage from Travelers provides additional protection that can help cover the costs to repair, replace or rebuild with green materials, after a covered loss occurs.
SERVICE THAT GOES BEYOND QUALITY COVERAGE
Dependable Protection Is Just One Of The Many Things You Get When You Choose Home Insurance. You’ll
Also Enjoy The Support Of An Agent, Who Can Answer Your Questions And Help You
- Know Your Choices So You Can Find What Fits Your Needs And Your Budget.
- Protect And Maintain Your Home With Helpful Tools & Resources.
- Get Answers About The Claims Process And Navigate Through It.
- Save On Your Premium With Home Insurance Discounts.
Call An Agent To Learn More And Get A Homeowners Insurance Quote
Monday to Friday – 11:00 am to 8:00 pm
(all times Eastern)
States Accepted – Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin.
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