The following coverage definitions should help you understand your homeowners insurance policy, but be sure to consult your insurance company representative to assure that you have the right coverage for your needs.

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.

Other Structures Coverage
Covers other structures set apart from the dwelling on the residence premises, such as a detached garage. This coverage applies up to the limits provided in your policy and can be increased if necessary.

Personal Property Coverage
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/Coverage
Liability coverage protects you in two ways. First, it provides for your legal defense against a liability claim–whether the claim is legitimate or not. Second, it will pay any court judgments against you up to the policy limit.

Medical Payments
This pays emergency medical bills for anyone injured on your property or any injury caused by a member of your family or a pet, regardless of where it happens. All bills are paid, up to your policy limit, whether or not you’re legally responsible. Homeowners policies have many other optional features available to you depending on your individual needs. These include earthquake and scheduled personal property coverage.

Additional Homeowners Coverages

Additional Living Expenses and Rental Value
When a disaster forces you to live somewhere else while your home is repaired or rebuilt, this coverage pays for your additional living expenses. It also pays for lost income from any area of your home that you regularly rent.

Personal and Legal 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 auto or business liability.)

Medical Payments
Your 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.

Protection from Household Accidents
You are also covered for:

• Damage to interior walls caused by rain and snow.
• Scorched countertops, floors and carpets.
• Ink stains or paint spills on floors, walls and carpets.
• Full Replacement Cost of Your Dwelling

Offered in most states for one dollar, this feature provides the extra coverage you may need to pay the actual cost to replace your home, regardless of its original cost or your policy limits. In some states, this feature costs an additional $5.

Full Replacement Cost of Contents
Pays to replace your damaged or stolen household contents at today’s retail prices, regardless of their original cost (up to your policy limits).

Extended Personal Property Coverage
To increase your protection and save you money, we’ve combined – into one package — coverage for jewelry, watches, furs, silverware, credit cards and more — at a fraction of the cost of separate coverages. Special extensions of coverage also expands personal liability protection to lawsuits for libel, slander, wrongful entry, and more.

Valuable Items, Watercraft and Trailers
Special limits are available to cover financial loss of property, such as boats and trailers, jewelry, watches, silver and goldware, furs and guns.

Flood Damage
Although flood damage is not included in any standard homeowners policy, your Nampa Specialty representative can offer you special flood insurance through one of our highly rated companies.