Home Insurance Coverage Options
Whether you rent or own your home, you have a wide selection of online home insurance policies from which to choose. Here is a summary of your coverage options.
Elements of Coverage
Among all types of online home insurance policies, there are certain coverage options that are universal. Here is a brief explanation of each:
- Personal property. This online home insurance coverage is designed to protect moveable personal belongings, usually within your home. Coverage limits usually apply.
- Family liability protection. This takes care of covered damages that you are legally obligated to pay. For example, if you accidentally break a neighbor's window with a baseball, the damages may be paid for under this coverage.
- Guest medical protection. Pays for the medical expenses of your guests who are accidentally injured on your property. For instance, if someone were to trip and fall over an object on your lawn, the medical expenses would be taken care of.
- Additional living expenses. This online home insurance coverage pays for the additional living expenses you would incur if your home became uninhabitable after a covered loss.
Consider Your Living Situation
When deciding on an online home insurance policy, you will also need to consider your living situation. Our insurance partners offer policies for all types of dwelling situations. You can get an online home insurance policy for a house, an apartment, a condominium, or a mobile home.
Personalize Your Policy
Most people in the market for online home insurance have at least some unique needs that are not fully met by a basic policy. Here are some of the additional coverages you might consider when tailoring your policy to your needs:
- Replacement cost coverage for your belongings
- Scheduled personal property coverage (additional protection for valuable personal property such as jewelry, furs, electronics, collectibles, etc.)
- Satellite dish coverage
- Increased building code coverage (pays for extra expenses of bringing your home up to today's building code standards in the event that it is damaged or destroyed)
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