Home insurance
standard and optional coverage
Home insurance standard and optional coverage
Standard coverages
The following coverages are automatically included in your home insurance policy, no matter which base level you choose.
Want to learn more about each coverage? Just read the sections below.
Dwelling
Dwelling, also known as Coverage A, is your most important coverage. It protects against damages to the physical structure of your home, as well as those systems that are permanently installed (e.g, plumbing, wiring, heat, air conditioning). Dwelling is the coverage used to repair or rebuild your home in the event of a covered loss. It’s also the primary coverage your lender will require you to purchase with your home.
Other structures
Other Structures, also known as Coverage B, covers structures on your property that aren’t connected to your main house, such as a garage, fence, shed or barn. While these structures may not be as valuable as the house itself, they can still be expensive to repair. The Other structures coverage level is usually 10% of your Dwelling coverage. The types of detached structures that are covered vary by state.
Personal property
With Personal Property, also known as Coverage C, your homeowners policy covers all those possessions you keep inside your home. Examples include furniture, appliances, TVs, computers, clothing and some jewelry. Personal Property coverage applies to the actual cash value of an item (i.e., its depreciated value), not the full replacement cost of an item.
Loss of use
If your home is badly damaged, you may not be able to live there while repairs are being made. Loss of Use, also known as Coverage D, will reimburse you for temporary housing, meals and other related expenses during this time—assuming the reason for the damage is covered by your policy. Loss of Use coverage is usually 20% of your Dwelling coverage. This is sometimes referred to as Additional Living Expenses coverage, as well.
Personal Liability
With Personal Liability, also known as Coverage E, we’ll defend you or a member of your household if you’re found responsible for a loss suffered by another person—for example, if someone is hurt in your yard. We’ll also pay for any damages.
Medical payments
Medical Payments, also known as Coverage F, helps protect you if others are injured on your property. For example, if a guest in your home falls and requires treatment, Medical Payments takes care of the medical bills whether or not you were responsible for your guest’s injuries. Coverage is usually limited to $1,000 per person, unless additional coverage is purchased.
Other standard coverages
If you choose a higher level of base insurance (better or best), some of these individual coverages may come standard as well, depending on your state of residence:
- Credit card coverage
- Guaranteed rebuild coverage (always standard in NH)
- ID monitoring
- ID theft expense reimbursement
- Scheduled personal property endorsements
- Water back-up and sump overflow
Optional coverages
If you want to maximize your protection, we also offer several optional coverage features.
You can customize your home insurance coverage by adding the following:
Home systems breakdown – Protects you if important equipment breaks down in your home, such as your furnace, stove or air conditioning unit.
Utility service line – Provides payment if physical damage results in a leak, break, tear, rupture, collapse or arcing of a covered service line.
Flood insurance – Neptune Flood provides everything in FEMA’s National Flood Insurance Program (NFIP)—and more.
Identity protection – Offered through CyberScout, our identity protection services keep you one step ahead of identity thieves.
Pet health insurance – Pet insurance lets you seek the best possible treatment for your pet’s unexpected injuries and illnesses.
Umbrella
Umbrella insurance is a separate policy that provides additional financial protection by increasing your liability limits. It gives you and your family extra protection in case something unexpected happens, such as:
- Someone gets injured on your property
- You cause a severe injury in a car accident
- You cause damage to someone else’s property
- You’re named in a defamation lawsuit
- Your pet injures someone
Umbrella is easy to bundle with a home and auto policy. It has multiple coverage limits and provides coverage for trusts and LLCs.
Get a 5-second home insurance quote
Thanks to our innovative approach to insurance, you can get a home insurance quote in just 5 seconds!*
Select the option that works best for you:
*Most people can get a quote in 5 seconds, but not all. For some, we may need a bit more information about their home.
