Homeowners policies are designed to provide protection against the unexpected - typically damages or losses caused by covered perils such as fire and storms.
Standard Coverage Typically Includes
Covers the actual structure of the house. Costs for materials and labor fluctuate, so this limit may be different than the appraised or market value of your home.
⦁ Other Structures
Covers other structures on your property, like a shed or detached garage. Limits can be increased if more coverage is needed.
⦁ Personal Property
Covers your belongings and the contents of your home, such as clothing, furniture, electronics, etc.
⦁ Loss of Use
Provides for temporary housing and living expenses if your home becomes inhabitable due to a covered loss.
⦁ Medical Expense
Provides for the medical expenses of guests who are accidentally injured on your property.
⦁ Family/Personal Liability
Covers the injuries or property damage of others if you are at fault. An umbrella policy may be needed for extra coverage.
⦁ Scheduled Personal Property
Provides full coverage for expensive valuables or collectibles like jewelry, guns, art, and antiques.
A deductible is the amount you commit to pay in the event of a covered claim, while the insurance company covers the rest in accordance with the terms of the policy.
Generally, the higher the deductible, the lower the policy premium will be.
Ways to Save
At MAA, you can earn significant savings by bundling multiple policies with the same company (for example, homeowners and auto).
And, the companies we work with often try to make insurance more affordable by offering discounts to clients who have preventative safety measures in place, such as smoke detectors and monitored security systems.
Contact Us To Learn More
MAA's desire is for you to be well insured. Our agents are here to assist with the knowledge and answers you need to choose coverage with confidence.
Committed to Doing Good
Did you know insuring with us also means you are sharing in mutuality and caring for those facing crisis? Learn more about how we make the world a better place together by viewing our Map to Mutuality.