Homeowners Insurance Coverage

Protect your home with reliable and affordable homeowners insurance coverage from Wawanesa

Getting a Homeowners Insurance Quote

Get started with an online homeowners insurance quote to find the right coverage for your home and belongings. At Wawanesa, you can customize your homeowners insurance coverage to match your unique needs. Adjust your personal property limits based on the value of your assets, and explore additional options like business property coverage, or earthquake damage protection for enhanced security. Tailor your policy to ensure your home and valuables are protected.

What does a homeowners insurance policy cover?

A basic homeowners insurance policy from Wawanesa protects your home and personal belongings from loss or damage. It also includes home insurance coverage for personal liability, helping with medical expenses if a visitor is injured on your property. Additionally, it offers financial assistance if you need to temporarily relocate due to a covered loss.

Do I need a homeowners insurance policy?

If you have a mortgage, your lender will require homeowners insurance coverage. This protects their investment in your home in case of fire, accidental water damage, or other damage caused by theft, vandalism, or another covered event. Additionally, it protects your personal belongings if they are damaged and destroyed and offers personal liability coverage if someone is injured on your property and takes legal action.

Find insurance coverage for your home, start your quote today!

What’s included in a basic Wawanesa homeowners insurance policy?

A basic policy for homeowners insurance coverage includes several key protections for your home and belongings:

Dwelling Protection Coverage

This mandatory coverage pays to repair or rebuild the structure of your home if it’s damaged or destroyed by a covered event.

Other Structures Coverage

Pays to repair or replace detached structures like sheds, garages, or fences if damaged by fire or another covered incident.

Personal Property Coverage

Insures your belongings, such as furniture, electronics, and clothing, if they’re damaged or destroyed as a result of a covered loss. Your personal possessions are covered whether they’ve been damaged at home or while you’re traveling. You can also increase coverage for certain high-value items.

Loss of Use Coverage

Pays for living expenses such as housing and meals if you need to temporarily move out due to your home becoming uninhabitable as the result of a covered incident.

Personal Liability Coverage

Pays for claims of bodily injury or property damage sustained by others on or in your property that you or members of your household are legally responsible for.

Medical Payments to Others Coverage

Pays for minor medical expenses if a guest is injured on your property. In some states, this includes workers compensation for occasional in-home employees who work in your home less than ten hours a week, for example babysitters or gardeners.

Other Basic Coverages

Other basic homeowners insurance coverages pay costs incurred to prevent further damage after a covered incident, such as a fire. For example, fire department service charges or the removal of debris.

Optional Coverages

While our homeowners insurance policy provides enough coverage for most homeowners; sometimes additional optional coverages are needed for certain higher value items like jewelry, watches, furs, etc. Limited earthquake coverage is also available.

Coverage options vary by state, so be sure to check the home insurance coverage types available where you live.

California Coverages

Customize your homeowners insurance policy when you get a quote. Start your quote online or call 800-640-2920 to speak with a helpful Wawanesa agent.

Save on Home Insurance With Wawanesa

Wawanesa offers several discounts that can help you save even more on your homeowners insurance premium. You could lower your home insurance costs with discounts like claims-free, loyalty, or multi-policy. Explore our available discounts and see how much you can save on your policy today.

Homeowners Discounts

Find Your Local Homeowners Insurance

Besides our affordable rates, Wawanesa also offers flexible homeowners insurance coverage with customizable options to fit your needs. You’ll also enjoy award-winning customer service and the convenience of 24/7 claim filing and handling. Plus, Wawanesa offers valuable discounts which vary by state, helping you save even more.

Start your quote online or call 800-640-2920 to speak with a helpful Wawanesa agent.

Frequently Asked Questions About Homeowners Insurance

What does homeowners insurance typically cover?

A basic homeowners insurance policy typically protects you against damages to your home and property caused by fire, smoke, theft, or another covered incident. However, it’s worth noting that your policy does not cover the item that caused the damage. For example, if your water heater leaks and damages the wood flooring in your laundry room, your home insurance will cover the damages caused to the flooring, but not the faulty water heater.

How can I save money on homeowners insurance?

You can save on your Wawanesa homeowners insurance coverage by taking advantage of discounts like claims-free, loyalty, multi-policy, and other discounts.

What’s the difference between dwelling coverage and personal property coverage?

Dwelling coverage protects the physical structure of your home if it’s damaged or destroyed by a covered event. While personal property coverage covers your belongings, if they are damaged or destroyed as a result of a covered loss, whether they’re damaged at home or elsewhere.

Can I customize my homeowners insurance policy?

Yes, with Wawanesa, you can customize your homeowners insurance policy coverage for your needs. For example, you can adjust coverage limits for other structures on the premises, loss of use, personal liability, etc. You can also add optional coverages like scheduled personal property coverage for high-value items like jewelry, furs, etc, or add limited earthquake coverage.

Does home insurance cover water damage?

A homeowners policy covers accidental water-related damage to the structure of your home and personal belongings, but it does not pay to fix or replace the cause of the damage. For example, say your water heater overflows and floods the basement. Your homeowners insurance policy would generally cover the damage caused to the items stored in the basement, but not to replace the water heater.

For more details on coverage and exclusions related to water damage, refer to your homeowners insurance policy.

Does home insurance cover earthquakes?

No, home insurance does not cover earthquake damage automatically. Limited earthquake coverage is available as an additional optional coverage. Call 800-640-2920 to speak to one of our helpful agents to discuss adding earthquake coverage to your homeowners insurance policy.

Will homeowners insurance cover a rental property?

No, homeowners insurance does not cover a rental property. You’ll need landlord insurance to protect your rental property.

Have more questions on homeowners insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.

Homeowners Insurance FAQs

Disclaimer

Please note that this website provides only a summary of homeowners insurance to generally illustrate how homeowners insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.