Any structure outside of your home like detached garages, sheds, and fences.

Open perils, which means all types of losses unless they are specifically excluded.

Replacement cost up to the policy limit you select.

All your belongings like furniture, clothing, and electronics.

Open perils, which means all types of losses unless they are specifically excluded. Note, this is not common.

Replacement cost to repair or replace with the same material and quality as the original — in today's market.

Expenses incurred from not being able to live at your residence.

Reimbursed for additional living expenses while your home is repaired or rebuilt.

Up to the policy limit you select for the coverage.

Legal defense and liability coverage if sued.

Medical expenses for guests injured on your property.

Lawsuits happening on and off your property where you are liable.

Slips and falls and other minor injuries.

Up to the policy limit you select.

Select from over 15 additional coverages like scheduled property, blanket coverage, personal cyber, equipment breakdown, water backup, loss assessment, and many more!

Unlike most policies, you select your limits and increase/decrease to whatever level you feel is appropriate. Don't need "other structure coverage", simply remove that option!