Get a home insurance quote customized to your needs
Homeowners insurance protects against damage to your home and belongings from covered perils and safeguards your assets if you're liable for someone else's injuries or property damage. Additionally, your homeowners' policy may pay for an increase in living expenses if your home is uninhabitable due to a covered loss. Get a homeowners insurance quote online today and see how easily you can get customized coverage from MIAFS.
Standard homeowners insurance coverages
Standard homeowners insurance includes coverage for your house, other structures on your property, your belongings, personal liability, medical payments coverage to others, and even temporary living expenses while your home is being rebuilt or repaired due to a covered loss.
Some of the perils that are typically covered
Fire or Lightning, Smoke, Damage from tornadoes, Power surges, Damage from the weight of ice, snow, or sleet, Windstorms or hail, Theft, Explosions (e.g., aerosol can or gas grill), Vandalism or malicious mischief, Vehicles/aircraft crashing into your home, Damage from falling trees or other objects, Accidental discharge or overflow of water or steam (damage from leaking roofs, bursting pipes, or broken appliances, but not floods).
Standard Homeowners Insurance Coverages
Dwelling
Dwelling coverage may pay to repair or rebuild your house caused by fire, severe weather, falling trees, ice dams, and other covered perils.
Example: You may be protected if your roof caves in from the weight of ice, snow, or sleet, damaging interior components such as walls, kitchen cabinets, and countertops.
Personal property
Personal property coverage helps pay to repair or replace furniture, clothes, electronics, tools, and other belongings if they're destroyed in a covered loss. For more expensive items, such as jewelry, art and collectibles, you may need to "schedule" the item, also known as adding an insurance rider to your homeowners insurance policy.
Example: Someone breaks into your car and steals your cellphone and work tools/equipment. Your home insurance policy may pay to replace the stolen items, up to the limits of your policy and minus your deductible.
Loss of use
If you're unable to stay in your home during repairs due to a covered loss, additional living expenses (part of your loss of use coverage) may pay for additional living expenses above what you'd typically pay, up to your policy's limits.
Example: A fire damages your kitchen and you're unable to live in your home while the repairs are being made. You may be covered for the cost of a hotel stay and meals, above what you normally spend on groceries.
Liability
Personal liability coverage helps protect your assets if you or your family members are liable for someone else's damage or injuries. Additional coverages may be available to purchase for libel, slander, and other lawsuits. If you need more than a $500,000 liability limit, a separate umbrella policy may provide additional coverage.
Example: A delivery person falls on your steps and breaks their arm. If you're found to be liable, your homeowners insurance may cover their medical bills and lost wages.
Get a homeowners insurance quote in a few easy steps
It's never been easier to get affordable and accurate home insurance quotes online. We'll ask a few simple questions to help you find a policy that best protects your home and family, including the following:
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Who lives with you?
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Are you running a home-based business?
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When was your home built?
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How old is your roof?
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Do you have home insurance now?
