Protect your home, other structures (like fences, garages, and sheds), and belongings from both everyday events and major disasters. Our homeowners policies cover all risks except those listed as exclusions, meaning you enjoy a wide range of protection for weather events, fire, theft, vandalism, and more. And when the unexpected does happen, the policy’s additional living expenses coverage can help pay for temporary housing, transportation, and more while your home is under repair.
Your loved ones are protected, too. Medical payments coverage can help pay for small medical bills when a guest is injured at your home, and your policy includes liability coverage in case a family member or pet accidentally injures someone or damages their property.
Dwelling Fire Coverage
If you don’t live at your property year round, you might need a more flexible policy to protect it. Dwelling fire coverage can be a great fit for folks who rent out homes they own or who want a policy that covers the basics.
Don’t let the name mislead you – this policy covers far more than fire damage. In fact, it protects the home and other structures on the property for all events except those the policy lists as exclusions. You can also add – or remove! – protection for your belongings, loss of rental income or loss of use, personal liability, and medical payments.
Small business owners in Louisiana, North Carolina, and South Carolina can protect what they’ve built with our business owners policy (BOP). This staple provides general liability and business property insurance in one convenient bundle. It’s available for more than 300 business classes in the following industries: restaurants, retail, offices, service and processing, wholesale, and lessors.
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