Homeowner’s insurance is a form of property insurance designed to protect an individual’s home against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.
Cover your home and its contents from theft, fire, vandalism, windstorms, hails to other catastrophes. There are also additional add-on coverage’s available to ensure the protection of your valuables such as jewelry, electronics, artwork and antiques. It’s important to talk to your Weconnect agent or representative to learn what your Homeowner’s policy may and may not cover. For those perils that are not covered, there may be supplemental insurance you can purchase.
Pays to repair or rebuild your home – including electrical wiring, plumbing, and heating and air conditioning – if damaged by a covered cause of loss. It’s important to buy enough dwelling coverage to cover the cost to rebuild.
Other Structures Coverage
This homeowner’s insurance covers damages to detached structures like garages, fence, sheds and cottages on your property.
Personal Property Coverage
This coverage helps to insure personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics.
Loss of Use Coverage
This form of homeowner’s insurance covers additional housing and living expenses if you must move out of your home temporarily while it’s being restored.
Liability homeowner’s insurance is designed to protect your assets and cover your defense costs in the event of a lawsuit because you or your family members are responsible for causing injuries or damage to other people or their property.