Homeowners Insurance Coverage Options
Your home is one of your biggest investments. Having the right homeowners coverage can provide you with the right protection for your home, belongings and finances if the unexpected happens.
Standard home coverages
Homeowners insurance offers a set of core coverages that work together to protect you and your home. Together, these coverages help you stay protected and give you confidence and peace of mind. It is important to note that coverage requirements and availability may vary by state.
Dwelling coverage
Dwelling coverage (Coverage A) covers the structure of your home for both the interior and exterior. If you have a mortgage, your lender will likely require this coverage.
Other structures coverage
Other structures (Coverage B) provides protection for the detached buildings or structures on your property, such as a garage or fence.
Personal property
Personal property (Coverage C) protects your belongings like furniture and clothing, if they're stolen, destroyed or otherwise damaged by a covered loss.
Loss of use
Loss of use (Coverage D) helps with temporary living expenses, such as hotel stays and additional meal expenses if your home becomes uninhabitable due to a covered loss.
Personal liability
Personal liability (Coverage E) provides financial protection if you’re held legally responsible for injuries to others or damage to their property due to a covered incident.
Medical payments
Medical payments (Coverage F) can help provide coverage for injuries occurring to others arising out of a covered incident, regardless of who is at fault.
Additional homeowners insurance coverages
In addition to the standard coverages, homeowners can choose additional optional insurance coverages that provide extra layers of protection for their property and assets against certain risks that may not be covered by a standard homeowners policy.
Water backup
This coverage helps repair your property if it’s damaged by water from backed-up drains or sump pump failures.
Scheduled personal property
An add-on for homeowners who own higher-value items that standard policies may not fully protect. Scheduled personal property allows policyholders to list valuable belongings such as jewelry, art or antiques separately to ensure they’re adequately insured against loss or accidental damage.
Electronics coverage
Optional coverage that specifically protects electronic devices, like laptops, smartphones and tablets, from losses not covered in your policy, such as accidental damage.
Replacement cost
With replacement cost coverage, your belongings aren’t reduced for depreciation. If covered items are stolen or damaged, this coverage helps you replace them without factoring in wear and tear.
Identity theft
Identity theft coverage helps you recover from the financial and personal impacts of having your identity stolen. It covers costs like legal fees, lost wages and expenses related to restoring your identity.
Related coverages
Exploring additional coverages can help provide protection across different aspects of your life. Consider these coverages:
Find the Right Coverage for You
We’ve put together auto packages to help you choose coverage that best protects what matters most to you. We’ll help you find the right coverage, customize your policy and pair it with the world-class service that sets Amica apart.
Customer service that earns loyalty
Empathy isn’t just a word – it’s woven into every interaction with our policyholders. Their stories are a testament to the trust and loyalty built over decades of compassionate service and support.
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