Homeowners Insurance

What Does Homeowners Insurance Cover?

No one plans on an accident happening in the home, but life is unexpected.

If your home suffers damage in an accident or storm, it could cost thousands of dollars out of pocket to repair. Homeowner insurance acts as a financial buffer to prevent unnecessary hardship.

Homeowners insurance helps you recover from the loss of belongings, or damage to your property in events, such as:

• Fire
• Windstorm
• Hailstorm
• Lightning
• Explosion
• Theft
• Vandalism
• Falling objects

When you receive a homeowners insurance quote, it is usually based on two types of coverage. These are:

Standard Homeowners Insurance Coverage

Standard homeowners insurance provides basic foundational coverage of:

Liability: If someone is injured on your property, or by your property, you can be held accountable for financial damages. These costs could be related to repairs or medical fees. Examples of liability include:

• Slip and fall accidents
• Falling objects
• Pet bites
• Injuries to workers on your property (gardener, dog walker, babysitter)

Dwelling and Detached Structures: Your house isn’t the only structure on your property worth protecting. Dwelling and detached structure coverage apply to your fencing, patio, gazebo, tool shed, detached garage, swimming pool, and more.

Dwelling and detached structure coverage help with repair and replacement costs to your house and other structures if there is a fire, storm, or other complication listed in your policy.

Personal Belongings: The belongings in your home are covered under your standard homeowners insurance policy.

While you may claim any personal belonging under the scope of this policy, it is important to list family heirlooms, artwork, and other expensive items under a specialized policy. While their repair or replacement is covered under the scope of personal belongings, it may not be covered up to the true value.

Extended Homeowners Insurance Coverage

Extended homeowners insurance lets you pick and choose the perils you need coverage on.

At Ron Johnston Insurance, we work closely with you to curate policies that reflect your lifestyle and needs. There are two main types of extended policies, including:

Extra Expenses: Your home can accrue many extra expenses over the years. When problems arise not covered by standard homeowners insurance policy, it gets costly. Extended homeowners insurance coverage through our extra expenses policies has you covered.

Extra expenses may include:

• Water damage
• Sewer backup
• Renovations and upgrades
• Alternative lodgings during repair

Customize your extended policy to suit your individual needs, including risks and protection which apply specifically to your home type or location.

Identity Theft: Our digital lifestyles create openings for online risks like identity theft. Your identity can impact your credit score and finances.

Identity theft protection from Ron Johnston Insurance safeguards against costs associated with information leaks, credit card fraud, and other repercussions of identity theft.