Your homeowners insurance sometimes needs to do more than simply protect the structure of your house. That's why your 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.
With Esurance, you get access to a wide array of coverages that come standard with your home policy in Nebraska.
The Cornhusker State, green and gorgeous though it may be, is no stranger to tornadoes and other seasonal disasters. If a covered risk like wind, fire, or hail damages your house, your home insurance can help cover the costs to repair or rebuild.
It's a good idea to purchase at least enough dwelling protection coverage to cover the cost of rebuilding your entire house. And you can always increase your coverage limit if you'd like.
Family liability protection
Accidents happen, and when they do, it's good to have insurance. If you or someone or your policy accidentally injures someone or damages a neighbor's property, this coverage could help pay for medical bills and your liability costs. Plus, there's no deductible associated with this coverage.
Personal property protection
How do you protect the things inside your home? Fortunately, your homeowners policy helps safeguard your belongings, like electronics, furniture, clothing — the things that make your house a home.
Guest medical protection
A spill in the kitchen or a loose banister on your stairs can do a number when you least expect it. If a guest is hurt on your property, though, your coverage can help pay for their medical expenses, whether or not you're liable for the injury. You don't even need to pay a deductible for this coverage to kick in.
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.