YOUR HOME
SECURED!
At EnsuranceMax, we compare the market, simplify your Home insurance options, and guide you from quote to coverage — with complete transparency every step of the way.
- Instant estimate with no impact on your credit score
- Licensed advisors and bank-grade data encryption
- Average household saves $86/month vs. separate policies
Helping you understand
What is Home Insurance?
Home insurance is a contract between a homeowner or property owner and an insurance company that provides financial protection against loss or damage to a home and its contents caused by unexpected events.
It covers various types of risks, including damage to the structure of the house from events such as fire, storms, theft, or vandalism, as well as damage or loss of personal belongings inside the home. Home insurance can also provide liability coverage if someone is injured on your property and medical or legal expenses arise as a result. In many cases, mortgage lenders require homeowners to maintain a minimum level of home insurance coverage to protect the property.
Coverages
What are the coverages?
No jargon. No pressure. Just a clear coverage roadmap you can act on today.
1. Policy Form (HO-3 vs HO-5)
Determines the level of protection your policy provides. HO-3 covers the home for open perils and belongings for named perils, while HO-5 offers broader protection with open-perils coverage for both.
2. Coverage A – Dwelling Coverage
Protects the physical structure of your home, including the roof, walls, foundation, and attached structures like garages.
3. Extended Replacement Cost
Provides additional coverage (usually 10%–50% above your dwelling limit) if rebuilding costs exceed your policy limit after a major loss.
4. Coverage B – Other Structures
Covers detached structures on your property such as fences, sheds, and detached garages.
5. Coverage C – Personal Property
Protects your personal belongings like furniture, electronics, clothing, and appliances if they are damaged or stolen.
6. Coverage D – Loss of Use
Pays for temporary living expenses, such as hotel stays and meals, if your home becomes uninhabitable after a covered loss.
7. Coverage E – Personal Liability
Provides protection if you are legally responsible for injuries or property damage caused to others.
8. Coverage F – Medical Payments to Others
Covers minor medical expenses for guests injured on your property, regardless of who is at fault.
9. Water / Sewer Backup Coverage
Protects against damage caused by water backing up through drains, sump pumps, or sewer lines.
10. Service Line Coverage
Covers the cost to repair or replace underground utility lines such as water, sewer, electrical, or gas lines.
11. Ordinance & Law Coverage
Pays for additional costs required to rebuild or repair your home to meet current building codes after a covered loss.
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