It's essential to understand what your home insurance policy doesn't cover. Typically, it won't protect against things like damage to land, property taxes, or mortgage payments. While some condo policies might cover condo fees, it's not common. Also, your policy may not cover damages from earthquakes or floods. When getting Home Insurance, carefully review your policy and consult with our team.

Additional options to consider adding to your home policy:

• Coverage for belongings outside the home: Protects items you take outside, like laptops or bicycles.

• Identity theft coverage: Covers expenses related to identity theft.
• Homeowner's Guarantee/Guaranteed Replacement Cost Clause: Ensures your home can be rebuilt to its original condition, even if the cost exceeds the policy limit.
• Increased Limits coverage: Boosts coverage limits for specific items.
• Home Systems Protection: Covers repair or replacement costs for essential systems and appliances like heating, cooling, and electrical.
• Glass Deductible Buy Down: Lowers your deductible for glass-related claims.
• Sewer Backup coverage: Protects against damage caused by sewer backups.
• Voluntary Fire Fighting coverage: Covers expenses related to fighting fires on your property.
• Watercraft coverage: Insures watercraft like boats or jet skis.
• Special Belongings coverage: Provides extra protection for high-value items like jewelry or fine art.