Structure repairs, belongings, liability, living costs during repairs and claim help, each one with the limits I write out in the open.
Raise any part below, lower it, or leave it out. I move the yearly figure with every change, so the shape of the cover stays your choice and never a default.
The building itself: walls, roof, floors, wiring, plumbing and anything fixed in place. When storm, fire or water damage lands, I fund the rebuild at what local builders charge to put the same house back the way it stood.
Everything stacked inside the rooms. I value furniture, clothing, appliances, tools and electronics at replacement cost, and list higher value pieces on their own so a claim never stops at a shared ceiling.
For the moments a home lands on somebody else. A guest hurt on the stairs, a burst washer that soaks the unit below, a fence that drops on the roof next door. I carry the medical and legal costs inside this limit.
Repairs take time, and a damaged house is not always safe to sleep in. I carry the cost of somewhere else to stay while the work runs, plus the everyday extras that come with being pushed out.
You file online with photos attached, and I keep the claim status visible from first review through to the payout. Nothing sits in silence, and when you question a figure I show the reasoning behind it.
Exclusions belong right beside the cover they touch. These are the situations a standard home policy will not pay toward, so you can plan around the gaps instead of meeting them late.
Tell me the basics: build year, roof age, square footage, heating setup and anything of real value sitting inside.
Look at cover levels side by side. Slide the deductible up or down and watch what each move does to the yearly figure.
Lock the mix that fits, choose a start date and get the full policy document in your inbox the same session.
Open a claim online, upload photos of the damage and track every stage from first review through to the payout.
