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Home Insurance Resources

Your home may be your greatest asset. But more than possessions and assets, it's your home and you need to protect it. Whether you rent or own your home, you've got a wide range of property insurance products and coverage to choose from.

First, understand coverage elements:

  • Personal Property: To protect movable personal property, mostly within your home. Certain coverage limits apply.
  • Family Liability Protection: To pay for covered damages which you're legally obligated to pay.
  • Guest Medical Protection: To pay for medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
  • Additional Living Expenses: To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.

Second, consider which policy is right for your living situation:

  • House
  • Condominium
  • Mobile home
  • Renter

Third, personalize your policy with additional coverage such as:

  • Replacement Cost Coverage for many of your contents (subject to applicable underlying policy coverage limits).

  • Scheduled Personal Property Coverage with increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, cameras, personal computers and sports equipment.
  • Increased building code coverage. For example, if your home is damaged or destroyed you'd need protection to bring it up to today's code standards as it is repaired.
  • Portable cellular communication systems coverage.
  • Satellite Dish Antennas coverage.
  • And many more! See your Designer's Insurance agent for more information on the Optional Coverage available in your state.
Finally, since most Homeowners, Condominium, Mobile home, or Renters Insurance Policies do not cover flood, find out if you're eligible for a Flood Insurance Policy.

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