You are properly covered if your policy's value is enough for you to rebuild your house if you had a total loss. Since the replacement cost of your house can vary over time because of inflation, the costs of labor and building materials, and renovations you may make to your home, you should review your coverage every few years. Your Liberty Mutual representative can help with this review.

Yes. Your coverage limit for personal property is usually 50% of your dwelling coverage amount. This amount may be increased or decreased based on your personal needs as well as your state's requirements.

Most items are covered up to stated limits for covered perils like theft or fire. However some items including money, securities, watercraft, trailers, grave markers, and guns, have coverage limits. If you lose a bracelet or drop a vase, that loss would not be covered unless the item were specifically insured, or scheduled. Damage to your personal belongings that is caused by pets is not covered. Your Liberty Mutual representative can advise you of your policy's specific coverage limits.

In most states the base policy provides coverage up to $2,500 for silverware and $1,000 for jewelry for loss by theft. If you need more coverage, you should consider scheduling the items.

Your policy provides coverage of up to $2,500 for property located on the residence premises which is related to your business. The limit for such property located away from the residence premises is $250.

By "scheduling" an item in your policy you obtain broader coverage, no matter how a loss occurs. When you schedule items like jewelry, silverware, photographic equipment, or antiques, you specifically describe and insure them, and pay an additional premium, depending on the amount of coverage you want.

You are covered up to your policy's limits for that damage, and for any additional damage done in the course of repairing the system. Coverage does not include the cost of repairing or replacing the system itself unless the damage was caused by freezing. Only water damage that is sudden and accidental is covered, so your policy would not cover damage from a slow leak, for example.

You are covered for resulting damage to your home and belongings, as well as for damage to the plumbing or heating system. If the damage occurs when your home is vacant, you are covered as long as you have taken the necessary precautions to keep the building heated or have had the water turned off and the plumbing and heating systems drained.

You are covered up to your policy's limits unless your house was vacant for 30 or more consecutive days preceding the incident. Your policy does not cover loss caused by vandalism and malicious mischief if the dwelling has been vacant for more than 30 consecutive days immediately before the loss.

Coverage for damage to the dwelling and contents will apply up to the limits in the policy. The house is unoccupied, but it is not vacant.

Most policies have no coverage for injuries you or household members sustain on your property.

The liability portion of your policy covers any injury to a neighbor or visitor that you are legally liable for.

If your house is damaged by a covered peril, your policy provides Loss of Use Coverage. This Coverage provides "Additional Living Expenses" over and above your normal living costs. The coverage amount is usually 20 percent of the coverage on your home. For example, if you have $100,000 coverage on your home, you would have $20,000 of Loss of Use Coverage.

Coverage is NOT provided to replace the cost of trees in your yard damaged by a windstorm. However, if a fallen tree damages a covered structure on the property your policy covers up to $500 to have the tree removed.

Yes, your policy provides for removal of debris from your covered property resulting from a covered loss.