Dwelling

Coverage for your dwelling against losses from fire, theft and other common causes (except those that are specifically excluded).

Total coverage based on replacement cost and not market value- cost to rebuild home at today's building costs. Depending on home location, materials to rebuild and current building costs amount of coverage can be calculated using $100-$250 per square foot.

Other Structures

Coverage for other structures, such as sheds and unattached garages, for most causes of loss (except those that are specifically excluded)

10% of dwelling coverage amount (i.e. dwelling coverage = $100,000 | other structures coverage = $10,000)

Loss of Rent

Coverage for necessary extra living expenses to stay elsewhere temporarily if it’s impossible to live in your home.

20% of dwelling coverage amount

Personal Liability

Coverage for personal injury to others, wrongs such as libel, slander, invasion of privacy. *Some companies may not offer liability on their dwelling policy

Tenant Relocation Expense

In case of covered loss to property will pay for expense to relocate tenants until repairs can be done to property

$100,000

Personal Property

Not usually a standard coverage but can be added as endorsement for limited coverage for personal items at dwelling.

If I have a vacation home do I need to get a dwelling policy or can I insure it with a normal homeowners policy?

Depending on how you use your vacation home will depend on what type of coverage you need. If you rent out your vacation home at any time during the year you may be required to have a dwelling policy. However, if you use the home solely for personal use then most likely you can cover the home with a homeowners policy. Ask you agent or contact us for more information conerning properly covering your vacation home.