Your Dwelling is covered under your policy and includes your home and structures, such as a garage or deck attached to your home.
Other Structures are covered under your policy and include buildings, such as a detached garage or storage shed, separate from the house.
Personal Property such as furniture, appliances, clothing, and other contents are typically covered.
ADDITIONAL LIVING EXPENSE
Additional Living Expense can help by reimbursing you for reasonable increases in living expenses when a loss covered makes your home uninhabitable. This may include payments, food, the cost of rent, hotel, food, and other expenses.
PERSONAL LIABILITY PROTECTION
Personal Liability helps protect you if someone sues you for damages after being injured on your property.
GUEST MEDICAL PROTECTION
Guest Medical Protection can help pay for reasonable and necessary medical expenses if someone is injured in an accident on your property.
When you file a claim for a covered loss such as a hail storm, you will be responsible for a set amount, your deductible to repair or replace whatever is damaged or stolen.
For example, a hail storm damages your roof and siding and causes $15,000 damage. Say you have a $2,000 deductible, you would be responsible for that amount, and your insurance company pays the remaining $13,000.