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Home Insurance

Your home may be your most prized possession.
Sheltering the investment that shelters your family.

Efinity Insurance focuses on designing homeowner policies offering you protection that goes beyond having peace of mind. There are several key aspects to homeowner’s insurance.

Home Insurance

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Your Home
Coverage for many types of damage and for many causes of loss or damage (subject to exclusions) to your home and separate structures, such as a detached garage.
Coverage for separate structures at a minimum of 10% of the limit of insurance you choose for your home (can be increased by endorsement).
Extended Replacement Cost coverage (can be increased up to 150%, meaning that you may receive 50% above your dwelling limit in the event of a covered loss) is available in some states.
Medical Payments
Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.
Your Possessions
Coverage is based on a percentage of the limit of insurance you choose for your home.
Property is covered anywhere in the world.
Coverage is comprehensive, applying to many types of damage and many causes of loss or damage (subject to exclusions).
Contents Replacement Cost is included and pays for the cost of repair or replacement without deduction for depreciation.
Additional Living Expenses
Covers additional living expenses up to 24 months if a covered loss makes your home unfit to live in.
Coverage is based on a percentage of the limit of insurance you choose for your home.
Includes loss of rental income for up to 12 months if a covered loss makes a portion of the home that rented to others unfit to live in.
Liability
Pays when you’re legally liable for someone else’s bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
Includes costs to resolve claims or defend lawsuits brought against you.