Home insurance
- Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others.
- Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.
- Policy rates are largely determined by the insurer's risk that you'll file a claim; they assess this risk based on past claim history associated with the home, the neighborhood, and the home's condition.
| Level of Protection: | from $25,000 to $10,000,000 |
| Grace Period: | up to 30 days |
| Hotline Assistance: | 24-Hour |
| Policy Modification: | Online |
| Windows insured: | Yes |
Building insurance
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| Level of Protection: | from $25,000 to $20,000,000 |
| Grace Period: | up to 30 days |
| Hotline Assistance: | 24-Hour |
| Policy Modification: | Online |
| Windows insured: | Yes |
