Windstorm
Damage from strong winds, typically covered under many property policies, subject to policy terms.
Water Backup
Coverage for damage caused by water backing up through sewers or drains, usually added by endorsement.
Other Structures
Coverage for structures on the premises that are not attached to the dwelling, such as a detached garage or shed.
Scheduled Personal Property
Coverage that lists specific valuable items with agreed values or limits for broader protection.
Ordinance or Law
Coverage for the added cost to rebuild due to building code requirements after a covered loss.
Special Limit of Liability
A lower maximum amount that applies to certain categories of personal property, such as jewelry or firearms.
Personal Property
Coverage for your belongings, such as furniture, clothing, and electronics, subject to limits and terms.
Personal Articles Floater
An endorsement or separate policy that provides broader coverage for scheduled valuables like jewelry or collectibles.
Named Perils Coverage
Coverage that applies only to the specific perils listed in the policy.
Loss of Use
Coverage that helps with additional costs when a residence cannot be used due to a covered loss.