What’s Typically Covered by Homeowners Insurance?

Build A Policy With The Coverage You Want

Your home is different from your neighbor's, and you can choose to include different types of coverage on your home insurance policy to help protect the things that make your property unique. Most home insurance includes dwelling coverage , personal property coverage , guest medical coverage and liability coverage , but you can also add optional insurance coverage, like:

  • Water backup
    Coverage that can help protect against water damage caused by your drain backing up or your sump pump breaking.
  • Scheduled personal property
    Coverage for valuable appraised items such as engagement rings or fine antiques.
  • Business property
    Coverage that can help protect business-related items stored in your home, like products you are planning to sell.
  • Identity theft restoration
    A type of insurance that can help cover the cost of legal fees, lost wages and other costs involved with having your identity stolen.
  • Sports equipment
    Additional insurance coverage that can help protect expensive gear like golf clubs, ski equipment, kayaks and more.
  • Green improvement reimbursement
    A type of insurance coverage that can help pay you back for the additional cost of replacing damaged or destroyed covered items with more energy-efficient items after a loss.
  • Yard and garden
    Expanded coverage for items like trees, landscaping, riding lawnmowers and more.
  • Electronic data recovery
    Additional coverage that can help with the cost of recovering lost personal computer data, such as photos or videos.
  • Musical instruments
    Expanded insurance coverage for items like guitars, violins and more.

There are many types of optional insurance coverage.  The Campbell Agency and discuss more options and information about how you can protect the items that are important to you.

Additional Policies Offer Added Protection

You can add many different types of coverage to your homeowners policy, but there are also additional policies you can purchase. To help protect your home from flood damage, you'll need a separate flood insurance policy. You can also get extra liability coverage with personal umbrella insurance. The additional types of coverage and policies you choose will depend on what you want to protect.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
Optional coverages may be subject to additional terms, conditions and exclusions. Flood insurance available from the National Flood Insurance Program (NFIP).
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