Dwelling, other structures, personal property, loss of use, personal liability, and medical payments—subject to policy limits and exclusions.

Replacement cost helps rebuild/replace without deduction for depreciation; actual cash value subtracts depreciation, paying less at claim time.

Standard policies exclude flood and typically earthquake. Separate policies or endorsements are needed for those perils.

Set limits based on rebuild cost—not market value—considering local materials, labor, square footage, and custom features.

You pay the deductible amount before the insurer pays the rest of a covered loss. Some areas have separate wind/hail or hurricane deductibles.

Standard policies limit certain categories. Schedule valuable items for broader protection and agreed value where available.

Bundle home/auto, install monitored alarms, update roofs/electrical/plumbing, add water-leak sensors, and choose sensible deductibles.