Let’s talk about the types of Basic Homeowners Insurance Coverage and what each protects. 


Helps protect your home’s structure and permanent attachments from damage.


Helps cover your personal property not attached to your home, such as furniture and clothing.

Personal Liability✔️

If an accident occurs in your insured property that damages someone or something, personal liability can help pay for covered damages.

Medical Payments to Others✔️

May help pay for the medical expenses of someone who is accidentally injured on your property.

Other Structures (APS)✔️

Covers other structures not attached to your house, such as a shed, fence, or detached garage.

Loss of Use✔️

If you’re unable to live in your home due to a covered loss, this coverage helps pay for certain expenses while you are not able to live in your home.

Additional coverage is available by endorsement, such as earthquake, mine subsidence, and sewer back-up.