Homesite's standard homeowner's insurance includes coverage of home replacement costs and optional coverage of personal property replacement costs. Coverage of certain property, including watercraft, trailers, manuscripts and computers, is included with some restrictions, notes Homesite. If items such as firearms, jewelry, furs, watches or silverware are stolen, coverage is provided for these items up to certain limits. A set amount of coverage is also provided for business property, unattached building structures and trees and shrubs.
Additional coverages are available through Homesite as well, including extended replacement cost on the insured person's dwelling, and coverage for the replacement cost of personal property. Coverage for earthquake damage, as well as additional coverage for wind and hail damage is also available, according to Homesite. Coverage is also available for damage due to backed up water or sump overflow. An insured person has the option to increase his coverage limit on personal property, as well as his limit on business property.
Discounts are also available for homeowner's insurance policies, including a fire alarm credit, explains Homesite. With this credit, an insured individual with certain protective equipment installed in his home, including fire alarms, burglar alarms or fire sprinkler systems, is eligible to receive a discount on his policy. Discounts are also available to individuals holding companion policies with Homesite.Learn more about Insurance