Home Insurance FAQ
There’s a lot to know about Property Insurance. From learning how it can help protect you and your assets to deciding what coverage options are right for you.
Why do I need home insurance?
It's where you live and where your possessions are. Chances are, it's your greatest asset. But more than possessions and assets, it's your home and you need to protect it.
What are my coverage options?
Whether you rent or own your home, you've got a wide range of property insurance products and coverages to choose from.
- 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 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.
- House
- Condominium
- Mobilehome
- Renter
- 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 Coverages available in your state.
First, understand which coverage elements are common among all property insurance policies:
Second, consider which policy is right for your living situation:
Third, personalize your policy with additional coverages such as:
Finally, since most Homeowners, Condominium, Mobilehome,or Renters Insurance Policies don't cover a flood, find out if you're eligible for a Flood Insurance Policy.
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