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What Does Home Insurance Cover?

Why just settle for one quote from one insurance company? Along with Home and Auto, We can help with special situations too, like mobile homes, antique cars, campers, toys, motorcycles, and many others!  Regardless of whether you are looking for a lower price, let your insurance lapse, or just purchasing a home or auto for the first time, you have found the right place!

We will use our many years of experience writing insurance in our area to do the shopping for you to find the best policy for the lowest rate!  So call us today to get your FREE Virginia or West Virginia insurance quote today!

Homeowners insurance coverage protects your house and your possessions against damage or loss from events like fire, theft, storm damage, frozen pipes, and more. It also provides liability coverage for personal injuries sustained by others on your property.

What’s covered by a standard homeowners insurance policy?

  • Physical Structures: If your house or other structures on your property, like a garage or tool shed, are damaged or a deemed total covered loss, we’ll arrange for them to be repaired or replaced.
  • Personal Belongings: If your personal possessions, like furniture, clothing, and appliances, are damaged or deemed a total covered loss, we’ll arrange for them to be repaired or replaced.
  • Liability: If someone is accidentally injured or has their own property damaged while on your premises, we’ll defend any claims against you and pay them up to your policy limits. We’ll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.
  • Additional Living Expenses: We’ll cover your additional expenses if, due to a covered loss, you need to live elsewhere while repairs are being made to your home, enabling you to return to living your life as quickly as possible.

Additional Homeowners Insurance Coverage Options
To further protect your home, assets, and future earnings from a potential loss, these additional coverage options are available to add to your standard Homeowners Insurance policy.

  • Home Protector PlusTM: If you need expanded coverage and additional benefits like coverage for unforeseen costs when rebuilding your home or replacing personal property, adding Home Protector Plus™ will increase your protection.
  • Coverage for Valuables: If you own certain high-value items, such as jewelry, art, or camera equipment, you should consider adding this coverage.
  • Inflation Protection: Liberty Mutual will automatically adjust your coverage limits at your policy’s renewal to keep pace with inflation and you will also receive a discount on your policy premium.
Homeowners Coverage for Every Location
No matter where you live, Aluity Insurance can guide you to a Homeowners policy that fulfills your unique coverage needs.

If you have an accident, auto insurance can help protect you against financial loss. Very simply, it is a contract between you and the insurance company. You agree to pay a premium and the insurance company agrees to pay for your losses, due to an accident, as defined in your policy.

Auto insurance protects you on three fronts:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Most states require you to buy some vehicle coverage. If you’re financing a car, your lender may also require that you buy car insurance.

The six primary sections of an auto insurance policy
Your auto policy may include these six areas of coverage or a combination of them. Each is priced separately.

  1. Bodily Injury Liability: For injuries the policyholder causes to someone else.
  2. Medical Payments or Personal Injury Protection (PIP): For treatment of injuries to the driver and passengers of the policyholder’s car.
  3. Property Damage Liability: For damage the policyholder caused to someone else’s property.
  4. Collision: For damage to the policyholder’s car from a collision. The collision could be with another car, a fence, a light post, a wall, etc.
  5. Comprehensive: For damage to the policyholder’s car that doesn’t involve a collision. Coverage includes fire, theft, falling objects, explosion, earthquake, flood, etc.
  6. Uninsured Motorist Coverage: For treatment of the policyholder’s injuries as a result of collision with an uninsured driver. Additionally, underinsured motorist coverage can also be included in the policy. Underinsured motorist coverage is for when an at-fault driver has auto liability insurance, but the limit of insurance is insufficient to pay your damages.

Each state requires that you have certain types of coverage combination with minimum liability limits. Talk to your agent about the type of coverage at a premium you can afford.

Footnote: This is a brief overview of how automobile insurance works. You should read a policy thoroughly before purchasing any insurance policy.