What Does a Standard Homeowners Policy Cover?

A homeowners policy protects your home, your belongings, and your peace of mind.

Dwelling Coverage

Pays to repair or rebuild your home if it’s damaged by fire, storm, or another covered event.

Other Structures

Covers detached buildings on your property, like garages, fences, or sheds.

Personal Property

Protects the items inside your home, such as furniture, electronics, clothing, and appliances.

Liability Protection

Provides financial protection if someone is injured on your property or you’re held responsible for damage to someone else’s property.

Loss of Use

Helps pay for temporary living expenses if your home is uninhabitable due to a covered loss.

Optional Coverages & Add-Ons

Looking for more? Ask your agent about additional coverages.

Replacement Cost Coverage

For your home and personal belongings.

Ordinance or Law Coverage

Helps cover added rebuilding costs due to updated codes.

Water Backup Coverage

In case of sump pump failure or backed-up drains.

Scheduled Personal Property

For high-value items like jewelry, art, and collectibles.

Service Line Coverage

For underground utility lines like water, sewer, or power damaged by wear or freezing.

Home Systems Breakdown

Covers sudden mechanical or electrical breakdowns of home systems and appliances.

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Coverage Built for Your Home

Your home is more than a structure, it’s where life happens.

What Does a Standard Homeowners Policy Cover?

Personalized protection starts here.

Smart coverage starts with the right mix. Our agents help you find the perfect combination of home, auto, and umbrella policies to fit your needs.

By bundling your protection, you’ll save more and stay covered from every angle.

Ready to Review or Customize Your Coverage?

Whether you’re bundling policies, exploring new coverage, or just need a second opinion, we’re here to help.

Call Gaudette Insurance today to speak with a local agent, or request a personalized quote online.

Let's get you a quote.

Already a client of Gaudette Insurance Agency, Inc.?
Visit our Client Service to make requests and manage your insurance.

You're all set.

Experience the Value of an Independent Agency

We are licensed in CT, MA, ME, NH, RI, and VT.

Insurance Solutions

Client Services

Coverage Built for Your Home

Your home is more than a structure, it’s where life happens.

What Does a Standard Homeowners Policy Cover?

Personalized protection starts here.

Smart coverage starts with the right mix. Our agents help you find the perfect combination of home, auto, and umbrella policies to fit your needs.

By bundling your protection, you’ll save more and stay covered from every angle.

Ready to Review or Customize Your Coverage?

Whether you’re bundling policies, exploring new coverage, or just need a second opinion, we’re here to help.

Call Gaudette Insurance today to speak with a local agent, or request a personalized quote online.

Let's get you a quote.

Already a client of Gaudette Insurance Agency, Inc.?Visit our Client Service to make requests and manage your insurance.

You're all set.

Experience the Value of an Independent Agency

We are licensed in CT, MA, ME, NH, RI, and VT.

Insurance Solutions

Client Services

Already a client of Gaudette Insurance Agency, Inc.?
Visit our Client Service to make requests and manage your insurance.