Your home is different from your neighbor's, and you can choose to include different types of coverage on your home insurance policy to help protect the things that make your property unique. Most home insurance includes dwelling coverage
, personal property coverage
, guest medical coverage
and liability coverage
, but you can also add optional insurance coverage, like:
- Water backup
Coverage that can help protect against water damage caused by your drain backing up or your sump pump breaking.
- Scheduled personal property
Coverage for valuable appraised items such as engagement rings or fine antiques.
- Business property
Coverage that can help protect business-related items stored in your home, like products you are planning to sell.
- Identity theft restoration
A type of insurance that can help cover the cost of legal fees, lost wages and other costs involved with having your identity stolen.
- Sports equipment
Additional insurance coverage that can help protect expensive gear like golf clubs, ski equipment, kayaks and more.
- Green improvement reimbursement
A type of insurance coverage that can help pay you back for the additional cost of replacing damaged or destroyed covered items with more energy-efficient items after a loss.
- Yard and garden
Expanded coverage for items like trees, landscaping, riding lawnmowers and more.
- Electronic data recovery
Additional coverage that can help with the cost of recovering lost personal computer data, such as photos or videos.
- Musical instruments
Expanded insurance coverage for items like guitars, violins and more.
There are many types of optional insurance coverage. Find an agent for more options and information about how you can protect the items that are important to you.
You can add many different types of coverage to your homeowners policy, but there are also additional policies you can purchase. To help protect your home from flood damage, you'll need a separate flood insurance policy
. You can also get extra liability coverage with personal umbrella insurance
. The additional types of coverage and policies you choose will depend on what you want to protect. An agent can answer your questions and help you understand all of your options.
Find a local agent
who's ready to help you understand how different home coverage types and additional insurance policies can help you protect your home.