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PROPERTY QUICKGUIDES

In this section, we’ll look at some of the standard basic coverages available to homeowners through their home insurance policy.


Dwelling Coverage

All risk coverage insures your building for the most common types of losses. When you have All Risk coverage, your building is insured for everything, unless it’s specifically excluded from your policy.


Named-Perils Coverage

This includes a list of the most common types of things covered under your insurance. Named-Perils include fire, theft and water damage. Everything is listed very clearly in your policy booklet so you have a complete and thorough understanding of what your insurance policy covers.


Contents

All-risk contents coverage insures your belongings inside your house for the most common types of losses. When you have All Risk coverage, your contents are insured for everything, unless it’s specifically excluded from your policy.

A standard house policy provides for the Actual Cash Value (ACV) replacement of your belongings. This means you only receive the value of the item, less depreciation. For example, if you purchased a TV 5 years ago for $500, you might only get $100 for it if it were destroyed in a fire. Even though it may cost you $600 to replace that same TV today, your insurance would still give you $100.

Many people choose to add the Replacement Value option to their contents coverage. Replacement value coverage means that the contents of your house in insured for the amount it costs to replace them. When you replace the item(s) with similar kind of quality, within specified time, the insurer will pay you what it costs you to replace the item(s) not what they were actually worth in their used state. This means if your 5 year-old TV was lost in a fire, you would get the full amount it would cost to replace it, even if that is more than you paid for the TV in the first place.


Detached Private Structure

This type of coverage applies to structures that exist on your property, but that are not connected to your primary residence. For instance, a detached garage could be included undert his coverage. There is usually a certain limit assigned to this kind of coverage, but you can always increase that limit by purchasing additional coverage options.


Additional Living Expenses

If you are forced to leave your house because of a loss, this coverage pays for your reasonable and necessary expenses to temporarily live away from home. Hotel and food costs are the type of expenses that would be covered under circumstances. There is usually a limit on this kind of coverage.


Personal Liability is a Legal Responsibility

Liability insurance protects you from having to pay damages to people, if you’ve been found responsible for unintentionally injuring them or damaging their property.


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