Dwelling Protection
- Walls, roof, floors and framing
- Damage from events the policy lists
- A rebuild limit you choose yourself
See what a home policy can protect, what it may leave out, and how much cover fits the way you live.
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Two houses on the same street can need very different policies. One has a fresh roof and a dry basement. The other has a wood stove, an old oak leaning over the driveway, and a workshop out back. I put those details in front of you first, so the coverage you settle on matches the place you actually come home to.
Size, age, roof and heating. Those basics shape nearly every figure that ends up on a home policy.
Rebuild cost, belongings and liability. You see what each part covers before the figure is locked.
A higher deductible cuts the monthly cost. A lower one softens a rough week. You pick the balance.
Nothing is signed on the spot. Read it, sleep on it, and come back with whatever is still unclear.
It covers the structure itself: walls, roof, floors and the systems built into the house. Pick a limit that reflects what a rebuild would cost today.
Personal property is usually a share of the dwelling limit. Furniture, clothes and electronics fit under it, while jewelry often carries a lower cap.
It is what you pay before a claim starts. A higher figure trims the monthly cost, so pick an amount you could hand over today without any strain.
It can apply when a visitor is hurt at your place or you damage something owned by someone else. Medical bills and repairs may fall under it.
Roof age, square footage, how the place is heated, whether a pool sits in the yard, and any past claims. Those few details shape the price.
