Your home insurance in Nebraska sometimes needs to do more than simply protect the structure of your house. That's why an Esurance policy also covers things like your family's liability, accidental injuries or damages you (or someone on your policy) might be held responsible for, furniture, appliances … the list goes on.
The Cornhusker State — green and gorgeous though it may be — is no stranger to tornadoes, averaging just under 50 annually (the peak months for tornado activity being May and June). Fortunately, if a covered risk like wind, fire, or hail damages your house, your home insurance can help cover the costs to repair or rebuild.
Additional living expense coverage
If a covered loss (like a kitchen fire, for instance) renders your home temporarily unlivable, this coverage will help pay for you to live elsewhere in the meantime. It helps cover your food, hotel bill, and other reasonable expenses for up to 12 months (up to your coverage limit), or until it's safe to move back into your house.
These coverages also come standard with your Esurance home policy:
- Personal property protection
- Guest medical protection
- Other structures coverage