Basic home insurance coverages
Dwelling- Dwelling coverage is intended to rebuild your home in the event of a
loss such as fire, weather damage or worse yet a car being driven into your living
room. Some townhouse policies have this coverage however condo policies
never contain this coverage.
Property Coverage- Theft, fire, or other losses can damage or destroy the things
you own. This coverage helps to replace the things that are dear to you after a
loss. Condo policies and some townhouse policies often use this coverage to
protect not only your possessions but also the build out of the home in the event
of a major loss.
Liability- Liability coverage is one of the most important coverages in any
policy. Put most basically, liability insurance protects you from law suite.
Home Warranty- A home warranty is a special insurance product that functions
like an extended warranty for your major appliances. Air conditioning, These
policies are available to any owner.