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Every household faces unique risks, which is why many residents add endorsements beyond the standard policy:
The HO-3 policy is the preferred choice for many homeowners. It protects the dwelling against a broad list of perils while also including personal property and liability coverage.
Premiums are influenced by several factors, including the age and construction of the home, roof type, proximity to fire protection services, neighborhood risk levels, your claims history, and the amount of coverage selected.
Normal settling and gradual wear are excluded from coverage. However, if foundation issues stem from a sudden and accidental event, such as a covered plumbing leak, your policy may offer protection.
Yes. Specialized policies are available for rental and vacation homes, offering coverage tailored for landlords or short-term rental situations.
Yes, when damage is caused by a covered peril like fire, theft, or sudden water damage. Breakdowns or general wear are excluded unless you add endorsements or purchase a separate service plan.
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