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.
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:
- Weight of ice, snow, or sleet
- Freezing of plumbing, heating, air conditioning, or other household systems
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.
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.
准备好move forward with your homeowners insurance? Start your家庭保险报价today – it’s quick and easy.
Home Insurance Deductibles and Limits
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
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.
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.
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.
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]
Better understand the history of major work and renovation for the home you plan to buy. OpenHouse helps you go beyond the paint and staging.
Jewelry & Valuable Items
Prepare & Prevent
How to Help Protect Your Smart Home From Hackers
Are you enjoying the convenience of a virtual assistant, smart appliance, smart home security, or smart lighting? Here are some steps you can take to make it harder for your smart home to be hacked.
The juggle of work and home life has taken a different form for working parents of school-age children. Learn 6 tips for working from home with your kids.
How COVID-19 is Affecting the Housing Market
Economic hardships can affect mortgage rates, how you look for homes, and even the closing and moving process. Learn more about these considerations when looking for a home during this global pandemic.