This coverage provides financial protection against damage to your property, and for your liability or legal responsibility for injuries and property damage caused to other people by you or members of your family. Coverage is provided for home owners, tenants and condominium owners.

Damage caused by most disasters is covered by your policy but there are exceptions. The most significant are damage caused by a flood, earthquake and poor maintenance. You must buy a separate policy or an endorsement for flood and earthquake coverage. Maintenance-related problems are the homeowner’s responsibility.