Homeowners

Your homeowners policy will combine these coverages:

• Dwelling - Protects your house, detached garage and storage sheds from fire, hail, windstorm, vandalism.
• Contents - Protects furniture, clothing, and other personal belongings.
• Additional Living Expenses - Pays for extra expenses you have for lodging, food, and other items if disaster forces you from your home.
• Liability - Protects you when you or one of your family unintentionally injures someone or damages their property.
• Medical Payment - Pays the bills for others injured while on your property.

Renters

Your renters policy insures household contents and personal belongings the same as a homeowners policy, but excludes dwelling coverage.