Your coverage needs as a homeowner don't stop at the structural level, so why should your insurance? Fortunately, your Esurance policy protects more than just your home's structure — it also protects your family's liability, your belongings, and even helps pay for any accidental damages or injuries you or someone on your policy might be held responsible for.
In case your house needs a little help, it's good to know you've got access to an extensive variety of coverages that come standard with your home policy in Pennsylvania, including but not limited to:
Personal property protection
In addition to protecting your home itself, your homeowners policy helps safeguard the things you keep inside, like furniture, electronics, clothes, and other beloved knickknacks.
Living in the Keystone State does come with the cost of seasonal storms. Fortunately, if a covered risk like wind, hail, or fire damages your house, your homeowners insurance can help you pay to repair or rebuild.
It's wise to purchase at least enough dwelling protection coverage to cover the cost of rebuilding your entire home. Plus, we make it easy to increase your coverage limit if you'd like.
Family liability protection
In case you or someone on your policy accidentally injures someone or damages a neighbor's property, this coverage is a financial must–have. It can help cover your guests' medical bills and your family's liability costs, and you don't even need to pay a deductible for this coverage to take effect.
Additional living expense coverage
If a covered loss — like a kitchen fire — renders your home temporarily uninhabitable, this coverage will help put you up elsewhere in the meantime. It can help cover your food costs, 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.
Other structures coverage
With an Esurance policy, you can get protection for structures separate from your main house. So if your gazebo, carport, or other unattached structure is wrecked by a covered incident, you're protected.