A Homeowners insurance policy contains property, liability and other coverages packaged together to provide all the basic protection needs of the “average” home owner at low discounted rates. However, not all Homeowners insurance policies are the same. Coverage and pricing can vary greatly from company to company and state to state.
NOTE: It is important to tailor your Homeowners coverage to your own specific needs with specialized endorsements. Your AMERICAN INSURANCE agent will work closely with you to review and explain all your coverage options and help you select your preferences. For more information see Homeowner Insurance. If you have a coverage question please contact us.
A Homeowners insurance policy is arranged into these main coverage categories:
Coverage A – Dwelling
Coverage B – Other Structures
Coverage C – Personal Property
Coverage D – Additional Living Expense and Loss of Rent
Coverage E – Personal Liability
Coverage F – Medical Payments To Others
Replacement Cost coverage on dwellings, structures and contents.
Dwelling Replacement Cost Extra- up to 50% more limit is provided if needed after a loss.
Water Damage from Backup of Sewer or Drain
Identity Theft Recovery
Enhancement Endorsements that broaden coverage, add extra coverage, and increase internal limits.
Other Homeowners policy categories include:
The content of FAQ articles are general in nature and are not intended as a substitute for professional legal, financial, or insurance counsel for individuals. Insurance coverage forms vary by issuing company and by state. For specific advice contact us.
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55 Southway Ave
Lewiston, ID 83501
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Moscow, ID 83843
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