A Homeowners, or HO-3 policy as it is commonly referred to, covers your home against unforeseeable circumstances such as water damage from leaks, fire, lightning, hurricanes, and even theft of personal belongings. The policy covers damage to your home at replacement cost and can include coverage for other items such as detached structures, personal belongings, and liability coverage in case someone is hurt on your property. There is also coverage for any additional living expenses that you may incur while you cannot live in your home due to damage from an insured loss. This policy does not cover damage caused by flood, earthquake or routine wear and tear.
Coverage is easily customizable with the different coverage limits and deductibles that SafePoint offers, as well as many endorsements options.