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, you'll see a variety of coverages 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 icy winters and sticky summers — not to mention an average of 22 tornadoes a year. 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.
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.
Other coverages that come standard with a Hoosier State home policy include:
- Personal property protection
- Additional living expense coverage
- Guest medical protection
- Family liability protection