Dwelling Coverage
Helps pay to repair or rebuild the covered structure of your home following a covered loss, subject to policy terms and limits.
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Home Insurance
Protection for Your Home and What Matters Inside
Your home is one of your most important assets. Homeowners insurance can help protect your home, personal belongings and financial well-being against certain covered losses and liability risks.
Coverage Options
Other Structures
May provide coverage for eligible structures on the property that are separate from the home, such as detached garages, fences or sheds.
Personal Property
Helps protect eligible personal belongings such as furniture, clothing and electronics against covered losses.
Personal Liability
Can help protect you financially if you are legally responsible for covered bodily injury or property damage to another person.
Medical Payments to Others
May help pay certain medical expenses when a guest is accidentally injured on your property, subject to policy terms and limits.
Additional Living Expenses / Loss of Use
May help with eligible additional living expenses if a covered loss makes your home temporarily uninhabitable.
Water Backup Coverage
Optional coverage may provide protection for certain losses resulting from covered sewer or drain backups, subject to policy terms.
Scheduled Personal Property
Additional coverage may be available for certain high-value belongings such as jewelry, fine art and other eligible valuables.
Replacement Cost Options
Depending on the policy and carrier, replacement-cost options may be available for the dwelling and/or eligible personal property.
Who Is Home Insurance For?
- Homeowners
- First-time homebuyers
- Families
- Mortgage borrowers
- Owners of high-value homes
- Property owners seeking broader protection for their home and belongings
What Can Affect Home Insurance?
- Property location
- Home age and construction
- Roof age and condition
- Replacement cost
- Claims history
- Selected limits and deductibles
- Protective devices
- Property characteristics
- Carrier underwriting requirements
Important Additional Coverages
- Standard homeowners insurance generally does not cover every type of loss.
- Flood insurance is generally separate from standard homeowners coverage.
- Earthquake coverage may require separate coverage or an endorsement depending on the carrier and location.
- Other exclusions and limitations may apply, and no approval or specific premium is promised.
Protect the Place You Call Home
Let Best Value Insurance & Financial Services help you explore homeowners insurance options from available carriers.
Coverage availability, eligibility, benefits, limits, exclusions, premiums and requirements vary by insurer, policy, plan and state. Specific coverage details, terms, conditions and applicable plan or policy information will be provided with your quotation or during the application process for your review before coverage is finalized.
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