The Hartford

Your Homeowners Insurance is important; it protects what is probably your greatest asset. The following coverage definitions should help you understand your Homeowners policy.  Be sure to consult your insurance company representative to assure that you have the right coverage for you.

• Dwelling Coverage: The dollar amount carried to cover your home and any structures attached directly to it. Ideally, the amount of coverage you carry should equal the cost of rebuilding your home after a total loss.
• Personal Property: This coverage provides worldwide coverage for personal property owned or used by the insured.
• Loss of Use: This coverage is available when you cannot live in your home due to a covered loss. It pays living expenses which go over and above your normal living expenses up to the limit provided in your policy.
• Liability: If someone is accidentally injured or dies on or off your property, and it is caused by you, a family member or pet, this coverage pays claims against you for legal responsibility. (Does not include automobile or business liability.)
• Medical Payments: Your Hartford policy will cover actual medical expenses for accidental injury to others (except your household residents) caused by you, family members or your pets -- on your premises or elsewhere -- regardless of legal liability.
  
  Homeowners policies have many other optional features available to you depending on your individual need, such as earthquake and scheduled personal property coverage.
  
  Also offered are policies to insure your condominium, personal property (if you rent a home or apartment), rental property, and watercraft. These policies have some of the same coverages as a basic homeowners policy, but with special coverages provided to accommodate each unique situation. Consulting with an insurance professional is the best way to be certain you're getting the right coverage.