Home insurance can help protect your home, belongings, and finances when certain unexpected events occur.
Understanding the basic coverages can help you choose a policy that fits your needs.
Home insurance can help protect your home, belongings, and finances when certain unexpected events occur. Understanding the basic coverages can help you choose a policy that fits your needs.
THE PARTS OF YOUR POLICY
What Does Home Insurance Typically Cover?
Most homeowners policies combine several types of protection within one policy.
Home
Protect homes, belongings, and finances from covered loss or damage.
Auto
Protect vehicles, riders, and finances from accidents and unexpected damage.
Life
Help protect loved ones and support their financial future ahead.
Umbrella
Add liability protection beyond qualifying home and auto policy limits.
Recreational
Protect boats, motorcycles, ATVs, RVs, trailers, and other recreational vehicles.
Other
Explore coverage for rentals, condos, mobile homes, renters, and more.
Dwelling Coverage
Helps repair or rebuild your home after a covered loss occurs.
Other Structures
Helps protect detached structures such as garages, sheds, or fences.
Personal Property
Helps replace covered belongings such as furniture, clothing, and electronics.
Liability Protection
Helps protect you financially if you cause injury or property damage.
Medical Payments
May help cover certain medical expenses when someone is injured onsite.
Additional Expenses
May help cover temporary living costs if your home becomes unlivable.
PROTECTION FOR THE UNEXPECTED
What Can Home Insurance Protect Against?
Coverage varies by policy, but homeowners insurance may provide protection for certain losses caused by events such as:
Fire & Smoke
May help cover damage caused by qualifying fires or smoke.
Theft & Vandalism
May help repair damage or replace covered property after theft or vandalism.
Wind & Hail
May provide protection for certain damage caused by windstorms or hail.
Falling Objects
May help cover qualifying damage caused by falling trees or other objects.
Certain Water Damage
Sudden and accidental water damage may be covered depending on the cause.
Liability Claims
May provide protection when you are legally responsible for certain injuries or damage.
KNOW THE POSSIBLE GAPS
What May Not Be Covered?
A standard homeowners policy does not protect against every possible loss. Some risks may require separate coverage or endorsements.
Flooding
Flood damage is generally not covered by standard homeowners insurance.
Earth Movement
Earthquakes, landslides, and similar events may require separate protection.
Normal Wear & Tear
Insurance is generally designed for unexpected losses, not routine maintenance or aging.
Certain High-Value Items
Jewelry, collectibles, artwork, and other valuables may have special coverage limits.
Business Activities
Business property or activities conducted from home may require additional coverage.
Specific Local Risks
Your location may create risks that require additional protection or different deductibles.
Local Advice
We live and work in your community.
Custom Coverage
Solutions built around your needs.
Trusted Support
We are here when you need us most.
Focused on You
Protection that helps you move forward.
COVERAGE BUILT AROUND YOU
Your Home Deserves the Right Protection
The right policy can help protect your home, your belongings, and your financial well-being. Benchmark Insurance can help you understand your options and choose coverage that fits your property and needs.
