Homeowners Coverages
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Coverages
Coverage for your home and any attached structures, such as an attached garage or deck. In order to help you determine how much coverage you need, your agent will help estimate your dwelling’s replacement cost.
Covers structures on your property that are not attached to your home, such as a detached garage, shed or pole barn.
Your personal possessions are covered anywhere in the world.
Provides coverage for incidents occurring anywhere in the world and protects against lawsuits for which you may become liable.
Coverage for others who are injured at your residence.
Pays for expenses if you are unable to stay in your home after a covered loss.
Optional Coverages
We understand that for a variety of reasons, your coverage amount may not be adequate at the time of a loss. This provides full replacement of your home in the event that your coverage limit is too low.
Backed up sewers or drains can wreak havoc on a home, causing damage to floors, walls, furniture and electrical systems. Coverage for water backup is available with a wide array of limits to suit your needs.
Provides broader coverage for your personal items, including loss or misplacement, staining or defacing and more.
Sometimes, local ordinances or laws can regulate construction, repair or demolition of your property. This coverage will pay to get you up to code.
This coverage builds on your policy by providing several additional coverages in one package. It includes coverage for damage to your property caused by household appliance leaks, increased coverage limits for food spoilage from power failures and more.
Covers electrical and mechanical failures of equipment at your home, from air conditioners and heating units to computers and major appliances.
Provides coverage for underground service line damage caused by wear and tear, rust or other perils.
Provides up to $15,000 for expenses incurred when trying to restore your financial identity.
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Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.
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This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.