Home Insurance

The dwelling refers to the home, itself. 

Includes coverage for any other structure on the premises that is not attached to the dwelling. Things like garden sheds, detached garages, guest houses and swimming pools are considered other structures.

If you picked up your house and turned it upside down anything that could fall out is considered personal property. 

In the event that you are unable to occupy your home due to a covered peril, your insurance will pay for you to live elsewhere; lodging and meal costs are included here.

Liability covers the sum of money that the insured is legally liable to pay to others because of bodily injury or property damage caused by an occurrence.

Property damage is defined as physical injury, destruction or loss of tangible property.

Pays medical expenses to third parties for expenses incurred at the insured’s premise or arising out of the insured’s actions.  Medical expenses are paid regardless of fault.