Coverage Explained
Dwelling Coverage
Your homeowners insurance property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a fire or windstorm.
Personal Liability
Homeowners insurance Personal Liability coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
Medical Coverage
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household. You do not have to be legally liable for this coverage to payout. Many lawsuits have been avoided due to this valuable home insurance coverage.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed, and your home is repaired or rebuilt.
Personal Property
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Home insurance personal property coverage helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items. Learn more here.
Contact us today here in Spokane Valley near Liberty Lake to review your current insurance or get home insurance quotes.