Property:

Dwelling: Helps provide protection for damage to your home’s structure from a covered loss such as fire or hail storm damage. Dwelling coverage includes fixtures, plumbing and heating.

Other structures: Helps provide coverage for detached structures, such as a garage, garden shed and fixtures attached to your land such as driveways, sidewalks, patio, fences and swimming pools. 

Personal property: Helps protects your contents and personal items such as furniture, clothing and sporting goods. This coverage also protects your personal belongings anywhere in the world. 

Loss of use: If a covered loss forces you from your home, like a fire, this coverage helps take care of the additional expenses that go beyond your everyday living expenses while you’re unable to live in your home (i.e., up to your policy limit). 

Liability:

Liability to others: This portion of your policy helps protect you against lawsuits for bodily injury or property damage that you or family members may cause to other people. It pays for both the cost of litigation and court awards, up to the limit of your policy. It also covers you at home or away.

Medical payments: If a visitor is injured in your home, medical payments coverage allows the person to submit medical bills directly to your insurance company. The benefit is that expenses are paid to the injured person up to the policy limit without a liability claim being filed against you.

Replacement cost

Credit history

Claims history

Marital status

Age of home

Deductible

Location