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Your belongings
Covered by Personal Property Replacement Cost
OPTIONAL COVERAGEIn the event of a covered loss, we'll pay the actual cash value for items at the time of loss, then up to the full amount of the cost in today's market.
What you should know about this coverage:
This coverage distinguishes how you would like your items valued if damagedYour deductible for this coverage is your Personal Property deductibleCovered by Blanket Jewelry
OPTIONAL COVERAGEReplaces your jewelry if it is lost or stolen, with no deductible or up-front appraisal necessary.
Damages
Covered by Personal Liability and Medical Payment to Others
COMES STANDARDCovers you in the event of injury or property damage to somebody else.
This coverage helps pay for:
Medical bills of someone injured on your propertyRepair of accidental damage to someone else's propertyLegal costs if you are sued in certain situationsCovered by Dwelling
COMES STANDARDCovers your home and the structures on your property.
This coverage helps pay for:
Damage to your homeDamage to other structures like a fence or drivewayIncludes protection from fire, water, weather, theft, and vandalismCovered by Wind/Hail
COMES STANDARDCovers your property for damage caused by wind and hail.
What you should know:
Designated specifically for wind and hail damage, not just weather damageYour state may require a separate deductible for this coverageCovered by Hurricane
COMES STANDARDCovers damage to your property in the event of a hurricane.
What you should know:
Designated specifically for hurricane damage, not just weather damageYour state may require a separate deductible for this coverageCovered by Escape of Water
OPTIONAL COVERAGECovers damage caused by water back up and overflow.
This coverage helps pay for damage from:
SewersDrainsSump pump wells
Expenses
Covered by Additional Living Expenses/Loss of Rent
COMES STANDARDCovers any necessary increase in living expenses incurred by you and your house so that you can maintain their normal standard of living.2
When you might need this coverage:
A fireTornadoIf local authorities restrict you from entering your neighborhood due to other severe weather or hazardsCovered by Inflation Protection
OPTIONAL COVERAGEAutomatically 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.
Every home is unique. With Liberty Mutual, you can customize coverages to ensure you get the best homeowners insurance for your home and needs at an affordable price.
Homeowners insurance coverage calculator