Coverage Protection

Home insurance typically covers your home, personal belongings, liability protection, and additional living expenses in case of damage or loss. Here’s a breakdown of the key coverage options:

1️⃣ Dwelling Coverage 🏠

Protects the structure of your home (walls, roof, foundation) from covered perils like:
✔ Fire & Smoke
✔ Windstorms & Hail
✔ Lightning Strikes
✔ Explosions
✔ Vandalism & Theft
✔ Falling Objects

Note: Floods and earthquakes usually require separate policies.

2️⃣ Personal Property Coverage 📦

Covers your belongings (furniture, electronics, clothes, appliances) if they are damaged or stolen.
✔ Typically covers items inside and outside your home (e.g., stolen luggage while traveling).
✔ High-value items (jewelry, art, collectibles) may need additional coverage.

3️⃣ Liability Protection ⚖️

Protects you if someone is injured on your property or if you accidentally damage someone else’s property.
✔ Covers legal fees, medical bills, and settlement costs.
✔ Example: If a visitor slips and falls at your home, this helps cover their medical expenses.

4️⃣ Additional Living Expenses (ALE) 🏨

Pays for temporary housing, meals, and other expenses if your home is unlivable due to a covered event.
✔ Covers hotel stays, rental homes, and even restaurant bills.
✔ Example: A fire forces you out of your home, and ALE covers your hotel costs.

5️⃣ Add-Ons & Optional Coverage 🛠

🔹 Flood Insurance – Needed if you live in a flood-prone area.
🔹 Earthquake Insurance – Covers damage from earthquakes.
🔹 Replacement Cost Coverage – Pays to fully replace lost/damaged items (instead of just their depreciated value).
🔹 Water Backup Coverage – Covers damage from backed-up drains or sump pump failures.

Would you like help customizing a home + renter’s insurance package for Insura’s offerings?🚀