Homeowners insurance coverages with Root Home
Learn about the different kinds of coverage available to protect you and your home. Get a discount on homeowners insurance when you bundle with car insurance.
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How does homeowners insurance protect you?
If you own your home, homeowners insurance will be there to help when the unexpected happens. It’s a combination of coverage to protect you, visitors to your home, your possessions, and your house from things like fire, extreme weather, and even theft. With homeowners insurance, once you’ve paid your deductible, your coverage kicks in to cover the rest.
If the physical structure of your house is severely damaged—say, from a fire—this insurance would help to cover its repair or replacement. Everything attached, like a deck or garage, is included. Your chosen limit is the amount insurance will pay up to after you pay your deductible.
Additional Dwelling Protection
If you want more protection for the structure of your home, you can purchase an additional 25-50% of coverage. So, if you have $200,000 in Dwelling coverage, you could have up to another $100,000 in protection.
Water Backup/Sump Pump Overflow Protection
If your sump pump malfunctions and floods your basement, this coverage is there to pay to repair water damage.
This coverage will pay for repairs to underground piping or wiring to your house.
This coverage pays for damage to your property caused by any nearby mining.
This pays to repair damage to your property caused by an earthquake. If an earthquake happens and you don’t have this coverage, you could be left paying for every repair out of pocket.
If your roof is less than 10 years old and damaged beyond repair, by a falling tree, for example, you’ll receive the money to replace it once you’ve met your deductible. Damage due to wind or hail is not covered—you will need Roof Wind/Hail Loss coverage for that.
If you have any other structures on your property that are not attached to your house, like another garage, gazebo, or shed, this coverage pays to repair damages to them.
Loss of Use
If your home is so damaged that you can’t stay in it while repairs are made, this coverage could be used to pay for your hotel accommodations.
Roof Wind/Hail Loss
Wind or hail damage to your roof is covered.
If you accidentally injure someone on your property or if you accidentally damage a guest’s possessions, this coverage will pay for any legal help you require. It may also pay the settlement if you are sued.
If someone is injured on your property, regardless of who is at fault, this coverage will help pay for their medical care.
This coverage will help pay for legal representation if someone sues you for saying or doing something to defame their character.
Mold Liability Protection
Covers you if others file a claim against you because of mold or bacteria-related illness or damage to their property.
Identity Theft Expense Protection
Provides coverage for costs related to resolving a stolen identity like legal fees or lost wages.
Your personal possessions like clothing, furniture, and kitchen appliances are protected if they’re damaged in a covered loss.
If your household appliances are destroyed because of a mechanical or electrical breakdown, this coverage will help pay to replace them.