Dwelling coverage pays for the damages or destruction to the house or any unattached structure such as fences, detached garages, and storage sheds. It will also cover repairs needed for electrical wiring, plumbing, heating, and air conditioning damages if caused by a loss.
Liability will cover you against a financial loss caused by a lawsuit for someone’s injuries or property damage. Liability coverage starts at $25,000 and can be as a high as $300,000.
Personal property will cover the contents of your home, including furniture, clothing and appliance in case of a loss.
Medical payments covers medical bills for people hurt in your property.
Loss of Use
Loss of use will pay for additional living expenses if your home is too damaged to live in after a loss.
The multi-car discount is applied to the policy that has two or more vehicles on the policy. The more vehicles you add to the policy, the cheaper the price is per vehicle.
You can obtain a discount for having prior insurance of 6 or more months with another carries, without any lapse greater than 30 days. In order to qualify for the discount, the named insured on the policy must be listed on the previous carrier declaration page/ID card.
Homeowners discount is given if you are a homeowner. In order to receive the home owner’s discount, the home must be registered under the named insured name or spouse name, which must be on the policy.
If you are legally or common law marriage you can receive a discount because you are considered a more responsible driver. Your spouse can be either included or excluded from your policy to get a discount.
By paying your policy premium in full you can receive a discount on the overall price of your 6 month/ 12 month policy.
Many companies offer a discount if you are willing to make payments through your bank account, credit card, or debit card via electronic withdrawals every month.