Home Insurance

If your home will be vacant for an extended period, such as during a long renovation or while it’s on the market, it may be excluded from your regular policy. Here’s how to stay covered:

Liability coverage protects against lawsuits if someone is injured on your property or if you accidentally damage someone else’s property. Here’s how to optimize it:

Standard home insurance policies cover personal property but often limit the amount for high-value items like jewelry, art, and electronics. To cover valuable items adequately:

Water damage can result from multiple sources, but home insurance often limits what is covered. Here are ways to extend your protection:

When rebuilding after a loss, local building codes might require updated materials, energy-efficient replacements, or structural changes, which can be costly. Ordinance or law coverage helps with:

If your home becomes uninhabitable due to a covered loss, loss of use (or additional living expenses, ALE) covers expenses like temporary housing, food, and transportation. Here’s how to maximize this benefit:

Home insurance policies often offer an inflation guard endorsement to help keep your coverage in line with rising property values or inflation rates:

Homeowners often assume that if their home is destroyed, their policy will cover the entire cost to rebuild. However, there are subtle differences between replacement cost coverages: Extended Replacement Cost Guaranteed Replacement Cost