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Coverage Options

Protect yourself with our basic dwelling insurance coverage options

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Shelter's dwelling insurance provides basic coverage options to help you protect your home and belongings. When you're ready to increase your coverage, there are additional options available to you.

 If our dwelling insurance policy isn't right for you, consider our home insurance policy instead.

Types of Coverage

Dwelling

Dwelling coverage applies to your private residence and any building structures that are attached to it. It also covers

  • Outdoor equipment permanently attached to your home and used to service your residence and its premises. This includes
    • Heating systems.
    • Cooling systems.
    • Water heating systems.
    • Water softeners.
  • On-site construction material you plan to permanently attach to your residence.
  • Working outdoor antennas or reception dishes.

Other Structures

Other structures coverage applies to structures that are permanently attached to the premises, but not to your dwelling. Examples include fences and sheds.

This coverage doesn't apply to outdoor radio or television equipment or structures that are used for business purposes.

Personal Property

Personal property coverage applies to the contents of your home and other structures. If your property is somewhere other than where you live – like a vacation home – it will still be covered (although at a reduced limit).

For property that has a special value or is unique, we provide special coverage limits. Property that falls within this category includes

  • Money, bank notes, bullion, coins, and medals.
  • Securities, stamps, tickets, deeds, and passports.
  • Jewelry, watches, furs, and gold (if stolen).
  • Silverware and gold ware (if stolen).
  • Business property on- or off-premises.

If personal property coverage isn't sufficient for your needs, it may make sense to insure these items with a personal articles insurance policy.

Additional Living Expenses

Your property may be unlivable due to a fire or another covered loss. If so, additional living expenses coverage will reimburse you for the increased cost of living away from home. If you use the property to earn rental income (such as from a rented room or basement), we will reimburse you for the lost income for the time that part of the premises is unlivable.

Personal Liability

Liability coverage will help you pay for bodily injury and property damage that you are legally liable to pay. For example, if your child breaks the neighbor's window playing baseball, or if a visitor slips and falls on your icy sidewalk, your personal liability coverage can help protect you.

Medical Payments

Medical payments coverage will help you pay for reasonable medical payments if someone is accidentally hurt or injured

  • While on your property.
  • Through some activity that involves you or your family members.

Medical payments coverage will not apply to injuries sustained by you or members of your family who live with you.

Debris Removal

Debris removal coverage pays the reasonable expenses to remove debris following a covered loss.

Emergency Removal of Property

Emergency removal of property coverage pays for damage to covered property that happens while you're trying to remove it in an emergency.

Necessary Repairs after Loss

It may be necessary to protect covered property from additional damage following a loss. This coverage pays for the cost of those repairs.

Fire Department Charges

Fire department charges coverage will reimburse you up to $500 of service charges if a fire department is called to protect your covered property.

Trees, Shrubs, Plants, and Lawns

Trees, shrubs, plants, and lawns coverage will pay for a loss, caused by certain perils, to trees, shrubs, plants, and lawns at your residence.

Additional Coverage Options

The following options can be added on to your dwelling insurance policy:

  • Vandalism
  • Earthquake damage
  • Theft
  • Construction theft
  • Actions of thieves (damage to structure)
  • Breakage of glass
  • Falling objects
  • Weight of ice, snow, or sleet
  • Collapse of buildings
  • Escape of water from plumbing
  • Freezing of plumbing or heating systems
  • Restoration cost on your home's contents
  • Incidental farming
  • A home under construction
  • Child daycare or another specified business (not available in all states)

Additional coverage options may vary by state. See an agent for details.

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.