What’s covered by your home insurance policy?

Protection for your home and belongings

Homeowners insurance protects your home both inside and out: the exterior structure, interior finishes, upgrades you’ve made to the property, and your belongings. In Washington and Oregon, PEMCO earns top home insurance reviews.

Dwelling Coverage

Pays to repair or rebuild your home if it’s damaged or destroyed by – among other things – fire, smoke, storms, explosion, vandalism, burglary, and burst pipes. Includes coverage for sewer backups, too, up to $5,000 at no additional cost. Like most standard policies, it doesn't cover floods, earthquakes, and normal wear and tear.

Personal Property Coverage

Protects all the things in your house, including furniture, appliances, and clothing. It also covers the things you take with you when you travel. For expensive items (like jewelry, furs, guns, silverware, computers, and business equipment), you’ll want to consider adding more than just the standard insurance.

Replacement Cost Coverage

You’ll want this if your things are stolen or damaged. Pays what it will cost you to replace your belongings at today’s prices (as opposed to what you paid for them or what they’re currently worth).

Other Structures Coverage

Pays to repair or rebuild other damaged structures on your lot, such as a detached garage, shed, or playhouse.

Protection for your lifestyle

Home insurance coverage helps you and your family get back to normal more quickly when you’re repairing your home after a fire, windstorm, burst pipe, or burglary:

Loss of Use Coverage

Helps you with living expenses if you can’t stay in your house while it’s being repaired or rebuilt.

Protection from liability

Get peace of mind if you’re ever found legally liable for an injury or damage on your property:

Personal Liability Coverage

Helps you if you’re held accountable when someone is hurt, or something of theirs is damaged, while on your property.

Medical Payments to Others Coverage

No matter whose fault it is, helps to pay medical bills for a guest injured at your home. Also covers you if you accidentally injure someone when you’re visiting.