Your home is your castle. Homeowner's insurance is its' moat.For most Americans, their house is their most valuable asset -- and not just on paper. It's where you raised your kids,spent time with those you love, and for many, is as much a part of them as they are part of it. Protect that love. Find an AgentLearn More
Homeowner’s Insurance Options
Homeowners insurance covers so much more than just your house. Homeowners also covers other structures on your property (barn, shed, fence), your belongings (furniture, clothes, electronics), lawsuits, and even temporary living expenses during home repairs. And yes, these coverages come standard at no extra cost. Just get a homeowners insurance quote, and you can see all your coverages.
Dwelling coverage pays for damage to your house and anything permanently attached to it, including your garage, roof, chimneys, attached deck, countertops, cabinets, flooring, vanities, etc.
Other structures coverage includes unattached garages, gazebos, decks, patios, sheds, pergolas, fences, driveways, etc.
Personal possessions covers just about all of your stuff if it’s damaged or stolen. This can include electronics, furniture, clothes, tools/power equipment, and more. Your items are even covered if they’re not stored in your home (sheds, garages, your car, storage facilities, etc.).
Loss of use
You’ll never be left homeless. If your home is damaged from a covered loss (meaning something homeowners insurance pays for) and you can’t stay there, loss of use covers hotel, rent, and food expenses above what you’d normally pay.
If someone sues you or a family member you live with (for injuries or damage to their property), personal liability will pay for your lawyer, court fees, and certain damages you have to pay, subject to your policy.
Medical payments coverage pays for medical bills if someone else is hurt at your home or on your property.
Optional Homeowners Insurance Coverages
Some homes have sump pumps in their basements/crawl spaces, which are designed to pump water out from underneath and around your foundation. Sometimes sump pumps or plumbing/sewer systems get backed up. Water can then flood into your house, causing an expensive mess. Water back-up coverage will then pay for damage to your belongings and water removal.
Personal injury covers your legal fees and additional damages from:
- Slander or libel lawsuits (something you say/write that damages a person’s reputation or business)
- Lawsuits against you such as wrongful entry or malicious prosecution
- Wrongful eviction
- False arrest, detention, or imprisonment
Affordable Homeowner's Insurance right from your phone.
L.A. Insurance offers coverage options from multiple insurance carriers to help you select the coverage options you need from multiple insurance carriers. No office visit required!