家庭保险范围
什么是房主保险？
房主insurance helps cover the costs to repair or replace your home and belongings in the event they are damaged by covered threats like fire, theft and severe weather. Homeowners insurance is an important way to help ensure that you will be able to rebuild your home and replace the items in it should misfortune strike. Homeowners insurance can help protect you against the costs of property damage or destruction, and can also provide help to cover the costs of liability exposures if, for example, someone is injured on your property.
房主保险覆盖什么？
A typical homeowners insurance policy (also known as an HO3 policy) generally covers your home and your personal property and helps cover the costs of losses that result from covered incidents like:
- Fire
- 风暴
- Hail
- Lightning
- Vandalism
- 盗窃
- Weight of ice, snow, or sleet
- Freezing of plumbing, heating, air conditioning, or other household systems
通常，洪水和地震造成的破坏不受基本房主保险单的覆盖。由于此类额外的威胁，可选的房主保险范围和保单可能会涵盖损失。与您的保险专家联系以帮助确定哪种覆盖范围最适合您的特定需求。
Types of Home Insurance Coverage
A typical homeowners insurance policy includes several types of coverages, coverage limits and deductibles. Consider how the following coverages can help ensure your home and assets are covered.
如果覆盖范围被覆盖的事件损坏，则可以帮助您付费维修或重建房屋。通常，您将需要拥有足够的住宅覆盖范围，以支付修复，重建和更换财产的估计成本。
其他结构覆盖范围
Other structures coverage can help pay for covered damages to detached structures on your property like garages, sheds and fences.
Personal property coverage can help you pay for the 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. Special limits of liability may apply to certain items.
Loss of use coverage can help pay your additional living expenses if you must move out of your home temporarily while it's being restored. This is typically subject to coverage terms and limits.
Personal liability coverage can help protect you in the event of a claim. It also helps cover related costs if a legal suit is brought against you or a member of your household for bodily injury or property damage to others.
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Home Insurance Deductibles and Limits
您的房屋保险可扣除额是您有责任在您的保险开始支付费用之前支付的责任的金额。选择您的保险可扣除额时，请考虑您准备支付多少款项，如果您有承保的索赔。
Your home insurance coverage limits (the dollar amount of homeowners insurance coverage you buy) starts with your dwelling coverage. The limits of coverage for the other standard coverages in your homeowners policy are typically calculated as percentages of the dollar amount of your dwelling coverage limit.
Additional Homeowners Insurance Coverages
通常可以将以下覆盖范围添加到主要房主政策中，并为您提供与保险代表合作以根据您的特定需求自定义保单的好方法。
Special Personal Property Coverage
This special coverage for personal property or contents can provide broader protection for your possessions in the event of a covered loss. It can cover your personal property in more situations than a homeowners policy.
Contents Replacement Cost
Personal property replacement cost coverage helps cover personal property losses based on their replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry and watches.
额外的更换成本保护范围
如果房屋上的住所覆盖范围不足以支付损失后的维修或重建成本，则额外的更换成本覆盖范围有助于提供额外的覆盖范围，以帮助修理或重建房屋。
Does homeowners insurance cover theft? Travelers Valuable Items Plus coverage can provide higher limits and expanded protection for special classes of property such as jewelry and silverware.
Personal Articles Floater
A personal articles floater is a separate valuable items policy that is available should you need coverage or higher amounts of coverage for specific valuable items.
水备用和污水泵排放或溢出
Does home insurance cover water damage? If water backs up from a sewer or drain within your home, or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. This does not include coverage for flood or surface water backup.
旅行者身份欺诈费用的报销覆盖范围可提供多达25,000美元的$ 25,000，如果欺诈性地使用，则可以帮助恢复您的身份费用。
Green Home Coverage
Green home coverage from Travelers provides additional protection that can help cover the costs to repair, replace or rebuild with green materials, after a covered loss occurs.
Get Tips from the Travelers Echo Show Home Central Skill
Learn preventative steps you can take to help make your home safer. Create checklists for plumbing, weather, fire and home security tasks and track your progress.
开放式房屋 - 您的免费家庭历史报告[工具]
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Related Products
Jewelry & Valuable Items
从珠宝到收藏品，您可能拥有的贵重物品超出了您的意识。而且您的房屋保险单可能无法提供所需的覆盖范围。
雨伞保险
此责任承保范围可能超出您的汽车和房屋保险单，以帮助您保护您免受意外事件的侵害。
船和游艇保险
知道您，您的乘客和船只受到保护可以帮助您放松并享受水上的时间。
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