Dwelling - covers you up to the amount it would cost to rebuild your house due to a total loss, determined by a rebuilding cost guide using your answers to the home characteristics to the right in the rating variables section

Other structures - includes coverage for anything detached from the main structure of your house such as a garage, shed, fence, etc.

Personal Property - covers your stuff up to the limit on your policy including things like furniture, technology, kitchenware, etc.

Loss of use / additional living expenses - this is the limit of expenses paid to you in a situation where you are not able live in your house due to something like a fire

Personal liability - covers you on AND off your premises for anything you would be liable for

Medical payments - serves as a goodwill keeper, covers immediate medical expenses in a situation where you are liable such as an ambulance ride to the hospital

Optional coverages

• Replacement cost on roof​ - means you would get a new roof for your old roof given the coverage hasn't expired (usually expires for roofs older than 15-25 years, depends on the company)

• Replacement cost on personal property / contents - means you would get new stuff for your old stuff in a situation where your stuff is destroyed by a covered peril

• Sewer & water backup for building & contents - this covers you in a situation where your house or stuff is damaged by sewer and water backup

• Extended dwelling coverage - extends the amount of your coverage on your dwelling by desired amount, usually 25%

• Matching undamaged siding, roofing, windows - ensures that in cases where parts of your siding, roof or windows are damaged and they are not able to match it to the original siding, roof or windows that is undamaged, they will replace it all with new stuff up to the limit on your policy

• Valuable articles - covers items such as jewelry, hearing aids or anything of value to you for different kinds of losses such as losing your item