Standard Coverage For Every Homeowner
Your Homeowners policy includes a variety of standard coverages designed to address common risks associated with homeownership. From damage caused by fire and severe weather to personal liability claims, these coverages help protect you against unexpected expenses. Together, they provide a strong foundation of protection for your home and everyday life.
Dwelling Coverage
Provides protection for the physical structure of your home, including walls, roof, and attached components, against covered losses.
Coverage for Other Structures
Covers damage to structures on your property that are not attached to your home, such as garages, sheds, fences, and barns.
Contents Coverage
Protects your personal belongings like furniture, clothing, and electronics if they are damaged, destroyed, or stolen.
Loss of Use
Helps pay for additional living expenses if your home becomes uninhabitable due to a covered loss.
Personal Liability
Provides financial protection if you are found legally responsible for injuries or property damage to others.
Medical Expenses for others
Covers necessary medical costs for guests who are accidentally injured on your property, regardless of fault.
Customizable Options For Your Policy
Every home and homeowner has different insurance needs, which is why WRG offers customizable coverage options to enhance your Homeowners policy. These optional protections allow you to extend your coverage for specific risks, property, and personal belongings that may not be fully covered under your standard policy. With flexible options available, you can tailor your insurance to better fit your home and lifestyle.
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Assisted Living Care
Provides coverage for relatives living in assisted living facilities, extending certain protections from your homeowners policy to their residence.
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Earthquake
Covers direct physical loss or damage to your home and belongings caused by an earthquake.
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Home Business
Offers protection for business property and certain business-related liabilities when operating a small business from your home.
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Homeowner Equipment Breakdown
Covers sudden and accidental mechanical or electrical breakdown of essential household systems and appliances.
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Other Member of your Household
Extends liability and property coverage to individuals living in your home who are not related to you under the policy definition.
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Personal Cyber and Identity Fraud Coverage
Helps protect against cyberattacks, online fraud, identity theft, and expenses related to restoring your personal identity.
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Personal Injury
Provides coverage for non-physical injury claims such as libel, slander, or defamation.
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Personal Property Replacement Cost Loss Settlement
Covers the cost to replace damaged or stolen personal items with new items of similar kind and quality, without depreciation.
Refrigerated Property
Provides coverage for spoiled food or perishable items caused by mechanical failure or power outage.
Scheduled Personal Property
Offers expanded coverage for high-value items such as jewelry, collectibles, and fine arts that are individually listed on your policy.
Service Line
Covers the repair or replacement of underground service lines on your property, such as water, sewer, and electrical piping, if they fail.
Special Computer
Provides additional protection for computers and related equipment against risks not covered under standard homeowners policies.
Water Backup and Sump Discharge or Overflow
Covers damage caused by water backing up through sewers or drains or overflowing from a sump pump.
Watercraft
Provides liability and limited property coverage for certain small boats, canoes, and other eligible watercraft.
