FREQUENTLY ASKED HOME INSURANCE QUESTIONS

Coverage A - Dwelling: A house and any attached structures, such as a garage.

Coverage B - Other structures: Any stand-alone structures — like a carport or tool shed — not attached to the home. 

Coverage C - Personal property: This covers the repair or replacement of belongings or property stolen or damaged in a covered loss anywhere in the world.

Coverage D - Additional living expenses: Sometimes called a loss-of-use clause, this helps to cover the cost of temporary relocation in the event the home is unliveable due to repair work.

Coverage E - Personal liability: This covers the costs of another party's injuries on the insured party's property (or offsite) as well as claims against an insured for property damage.

Coverage F - Medical payments: Covers medical costs incurred on the property by those not listed as residents of the household, regardless of fault.

• Freezing pipes and systems in vacant dwellings
• Damage to foundations or pavements from ice and water weight
• Theft from a dwelling under construction
• Vandalism to vacant dwellings
• Latent defects, corrosion, industrial smoke, pollution
• Settling, wear and tear
• Pets, other animals and pests
• Weather conditions that aggravate other excluded causes of loss
• Government and association actions
• Defective construction, design and maintenance

Whether you have an open peril or named peril policy, damage from the below are never covered by homeowners insurance:

• Enforcement of building codes and similar laws
• Earthquakes*
• Flooding*
• Power failures
• Neglect (failure to take reasonable steps to protect your property)
• War
• Nuclear hazard
• Intentional acts

*Insurance options for these natural disasters may be sold separately.

• What is the rebuild cost of my home, including detached structures (at the current rate for labor and materials)?
• How much will it cost to replace my personal property and belongings?
• Liability Example: Your dog bites another person, requiring medical care.