Dwelling coverage protects the structure of your home against covered perils such as fire, wind, hail, and theft. Without sufficient coverage, you may not be able to fully rebuild after a total loss. Policy terms vary—contact us to review your limits.

This covers detached structures like garages, sheds, and fences. Typically limited to 10% of your dwelling coverage. Contact us to confirm your specific limits and whether an increase is needed.

Covers your belongings inside and outside your home against covered perils. High-value items may have sublimits and require scheduling. Contact us for details on protecting valuables.

Pays for temporary housing, meals, and extra living expenses if your home is uninhabitable due to a covered loss. Limits vary—contact us to ensure yours is adequate.

Provides coverage if you are legally responsible for injuries or property damage to others. Standard limits may be too low for many homeowners—contact us to review your liability protection.

Covers small medical expenses for guests injured on your property, regardless of fault. This is separate from liability and usually has lower limits. Contact us to review your policy.

Protects against water damage from backed-up drains or sump pump failure, which is excluded from standard policies. Without this endorsement, you may not be covered. Contact us to add it.

Covers underground utility lines you are responsible for, such as water, sewer, and electrical lines. Standard policies exclude this—contact us to ensure you’re protected.

Covers home systems like HVAC, furnaces, and appliances from mechanical or electrical breakdowns, which standard policies do not cover. Add this endorsement to avoid unexpected costs.

Provides higher coverage limits for valuables such as jewelry, art, and collectibles. Without scheduling, claims may be capped far below item value. Contact us to properly insure high-value items.