Homeowners Insurance Coverage

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Understanding Homeowners Insurance Coverage

Homeowners Insurance coverage protects your home and your possessions against damage or loss from events like fire, theft, storm damage, frozen pipes, and more. It also provides liability coverage for personal injuries sustained by others on your property. Liberty Mutual offers customized Homeowners Insurance coverage designed to fit the needs of you and your family.
+What Does Homeowners Insurance Cover?-What Does Homeowners Insurance Cover?What Does Homeowners Insurance Cover?
Every standard Liberty Mutual Homeowners Insurance policy includes these basic components.

Physical Structures
If your house or other structures on your property, like a garage or tool shed, are damaged or a deemed total covered loss, we’ll arrange for them to be repaired or replaced.

Personal Possessions
If your personal possessions, like furniture, clothing, and appliances, are damaged or deemed a total covered loss, we’ll arrange for them to be repaired or replaced.

Liability
If someone is accidentally injured or has their own property damaged while on your premises, Liberty Mutual will defend any claims against you and pay those claims up to your policy limits. We’ll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.

Additional Living Expenses
We'll cover your additional expenses if, due to a covered loss, you need to live elsewhere while repairs are being made to your home, enabling you to return to living your life as quickly as possible.
+How Are Homeowners Insurance Rates Determined?-How Are Homeowners Insurance Rates Determined?How Are Homeowners Insurance Rates Determined?
The rate you pay for homeowners insurance coverage is determined, in part, on these factors.
  • The characteristics and the potential cost of replacement of your home and additional structures on the premises.
  • The location of your home, which includes its proximity to fire protection, as well as local statistics on burglaries, weather events, and other potential risk factors.
  • The deductible amount you choose on your policy. A higher deductible means you will pay a lower premium.
  • Ensuring that your home has proper protection, like deadbolt locks, a security system, and smoke detectors and alarms.
You can also potentially lower your rate by bundling your homeowners and auto insurance policies.
+Additional Homeowners Insurance Coverage Options-Additional Homeowners Insurance Coverage OptionsAdditional Homeowners Insurance Coverage Options
To further protect your home, assets, and future earnings from a potential loss, these additional coverages are available to add to your standard Homeowners Insurance policy.

Home Protector PlusTM
If you need expanded coverage and additional benefits like coverage for unforeseen costs when rebuilding your home or replacing personal property, adding Home Protector Plus™ will increase your protection.

Coverage for Valuables
If you own certain high-value items, such as jewelry, art, or camera equipment, you should consider adding this coverage.

Inflation Protection
Liberty Mutual will automatically adjust your coverage limits at your policy’s renewal to keep pace with inflation and you will also receive a discount on your policy premium.
Start a free online quote to discover the right Homeowners Insurance coverage for you.

The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.

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