Homeowners Insurance

Loss of use pays your extra living costs when a covered event makes your home unlivable.

Medical payments coverage pays small guest medical bills regardless of fault.

Personal liability covers injuries to others and damage you cause, including legal costs.

Not by default — but many insurers offer inexpensive identity-theft coverage as an add-on.

Collectibles have coverage, but low sub-limits — schedule valuable items for full protection.

Electronics are covered against covered perils and theft, subject to your personal-property limit.

Appliances are covered when a covered peril damages them — but not breakdown or age.

A detached garage is covered under ‘other structures’ against covered perils.

A shed is covered under ‘other structures’ against covered perils — but not rot or neglect.

A sudden pipe burst and its water damage are covered; the worn pipe and gradual leaks are not.