Home Insurance

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Home Insurance

Your home is one of your largest investments, so having the right insurance protection matters. At Gilbert DLG Insurance Agency, we can help you explore homeowners insurance options designed to protect your home, belongings, and financial interests while keeping your coverage aligned with your needs and budget.

What is Home Insurance?

Home insurance, also known as homeowners insurance or hazard insurance, is a type of property insurance designed to protect a private residence against covered losses and risks.

A homeowners insurance policy can combine several types of protection, which may include coverage for your home and personal belongings, additional living expenses when a covered loss makes your home uninhabitable, and liability protection for certain accidents that occur at your home or involve you within the policy territory.

Typical Home Insurance Coverages

Section I — Property Coverages

Coverage A – Dwelling – Helps cover the physical structure of your home, excluding the land, against covered losses. Coverage limits should be selected carefully to provide appropriate protection for rebuilding the dwelling.
Coverage B – Other Structures – Helps cover eligible structures on your property that are separate from the main dwelling, such as certain garages, sheds, or other covered structures, subject to policy limits and exclusions.
Coverage C – Personal Property – Helps protect eligible personal belongings inside or associated with your home against covered losses. Certain categories of property may have specific coverage limits or requirements.
Coverage D – Loss of Use / Additional Living Expenses – May help cover certain additional living expenses when a covered loss makes your home temporarily uninhabitable. Depending on the policy, this may also include eligible loss of rental income.
Additional Coverages – Depending on the policy, additional protection may be available for certain expenses such as debris removal, reasonable repairs, eligible damage to trees and shrubs, fire department charges, property removal, identity theft, loss assessment, collapse, and other covered situations.
Exclusions – Homeowners policies contain exclusions that identify losses or circumstances that are not covered. Common exclusions may include certain earth movement, flood or water damage, neglect, war, nuclear hazards, intentional loss, and other specified events. Coverage can vary by policy form.
Floods – Flood damage is typically excluded from standard homeowners and renters insurance policies. Separate flood insurance may be available through the National Flood Insurance Program (NFIP) and participating private insurers.

Section II — Liability Coverages

Your home deserves protection that reflects the property you have worked hard to build and the things that matter most to you. Contact us to learn more about homeowners insurance options and find coverage that fits your needs.