Homeowners

Dwelling
Dwelling coverage can help you pay to repair or rebuild your home if it is damaged by a covered event. Typically, you will want to have enough dwelling coverage to cover the estimated cost to repair, rebuild, and replace your home.

Other Structures
Other structures coverage can help pay for covered damages to detached structures on your property like garages, sheds, and fences.

Loss of Use
Loss of use coverage can help pay your additional living expenses if you must move out of your home temporarily while it's being restored. This is typically subject to coverage terms and limits.

Personal Property
Personal property coverage can help you pay for the personal items in your home that may be damaged or destroyed by a covered cause of loss, including your furniture, clothes, sporting goods, and electronics. Special limits of liability may apply to certain items.

Personal Liability
Personal liability coverage can help protect you in the event of a claim. It also helps cover related costs if a legal suit is brought against you or a member of your household for bodily injury or property damage to others.

ID Theft
Falling victim to identity fraud could tarnish your name, ruin your credit, compromise your financial and medical history, or drain your assets. Once the damage is done, the road back to restoring what was yours can be both time-consuming and expensive. TIA identity fraud expense reimbursement coverage can cover expense reimbursements up to $25,000.

Sewer & Water Back up
If water backs up from a sewer or drains within your home, or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. This does not include coverage for flood or surface water backup.

Buried Utility Lines
Buried Utility Lines Coverage the homeowner is covered when one of these lines leaks, breaks, tears, ruptures, collapses, or arcs. Should a covered loss occur, coverage is available to pay for the damage to the utility line, excavation costs, and expediting expenses to make repairs.