Home Risk Coverage

  protects the physical structure of your home — walls, roof, floors, built-in appliances — against covered perils like fire, wind, and hail. 

extends protection to detached structures on your property, such as a garage, fence, or shed.

 covers your belongings — furniture, electronics, clothing — if they're stolen or damaged by a covered event, even away from home. 

 pays for temporary housing and living costs if your home becomes uninhabitable due to a covered loss. 

 protects you financially if someone is injured on your property or you accidentally cause damage to someone else's property, covering legal fees and settlements. 

covers minor medical bills for guests injured on your property, regardless of fault — a goodwill coverage that can prevent small incidents from becoming lawsuits.

• Flood Insurance — not included in standard policies; often required in flood zones
• Earthquake Insurance — separate coverage needed in high-risk areas
• Sewer/Water Backup — covers damage from backed-up drains or sump pump failure
• Scheduled Personal Property — extra coverage for high-value items like jewelry or art
• Home Warranty — covers mechanical breakdown of systems and appliances