Sometimes your homeowners insurance needs to go the extra mile, providing protection for more than just the structure of your home. That's why an Esurance policy covers your personal belongings, accidental injuries or damages you (or someone on your policy) might be held responsible for, and more.
When you get a quote for homeowners insurance in Indiana, here's a sampling of the coverages you'll see that come standard with your policy.
Living in a land of tulip trees and peonies makes Indiana an ideal place to call home … most of the time. Seasonally, the Hoosier State has its share of ups and downs, ranging from icy winters to sticky summers. If a covered risk like hail, wind, or even fire damages your home, your policy can help repair or rebuild it without breaking into your savings.
How much dwelling protection is right for your home? It's a good idea to get at least enough coverage to cover the total cost of rebuilding your house. You can also increase your coverage limit if you'd like.
Personal property protection
Top-quality protection doesn't stop at your front door. Your policy covers items you keep in your home, too, like appliances, electronics, clothing, furniture — things you'd have to pay out of pocket to replace without insurance.
Other structures coverage
In a state that's prone to tornadoes, your house isn't the only structure on your property that could suffer some serious damages. This coverage offers protection for structures not attached to your house, like a gazebo or carport.
Additional living expense coverage
If a covered loss renders your home temporarily unlivable, this coverage helps pay your hotel bill, meals, and other reasonable expenses for up to 12 months (up to your coverage limit), or until you're able to return home.
Guest medical protection
If a visitor gets injured on your property, your homeowners insurance could help cover their medical bills, even if you're not liable for the incident. Better yet, you don't need to pay a deductible in order for this coverage to kick in.