Homeowners Insurance
Affordable home insurance for your home and your peace of mind
Protect Your Investment With Homeowners Insurance
Buying a home is a significant financial investment. The right home insurance policy will protect your assets and offer a safety net in the event of damage, theft, or loss.
A homeowners insurance policy protects you in many ways:
- Insures the structure of your home if it’s damaged or destroyed by fire or other covered event
- Protects your belongings against damage, theft, or loss
- Provides living expenses if you’re displaced due to a covered loss
- Protects your personal liability if someone sues you
- Pays for medical expenses if a guest is hurt in your home or on your property
Here’s How You Can Save Big on Home Insurance
Homeowners Insurance Discounts
There are several factors that can help reduce your home insurance premium, so it’s always a good idea to check all available discounts. A few discount examples that could apply are:
- Being a non-smoker
- Having a policy that has remained claim-free
- Bundling your home and auto insurance policies - depending on your state, bundling your policies could qualify for a discount of up to 20% off
Wawanesa’s Affordable Homeowners Insurance Policies
Protecting your home is necessary, but your policy shouldn’t be a financial burden. Our home insurance rates are not only affordable, but also tailored to your individual needs.
Get a Homeowners Insurance Quote
Start your quote online or call 800-640-2920 to speak with one of our helpful agents who can help you discuss insurance coverage options for your home, discounts available, and buy your policy.
Homeowners Insurance Options
While a basic policy is adequate protection for most homeowners, Wawanesa offers optional coverages that allow you to tailor your policy to meet your needs. Regardless of the coverage you choose, you can access Wawanesa’s 24/7 claim handling and award-winning customer service.
Home insurance basic coverage includes:
Dwelling Protection & Other Structures Coverage
It helps pay to repair or rebuild your home and other structures, such as a fence or garage, if they’re damaged or destroyed by a covered risk.
Personal Property Coverage
This protects your personal possessions, such as furniture, sporting goods, clothing, and electronics, if they are damaged or destroyed as a result of a covered loss.
Loss of Use Coverage
It helps pay for living expenses, including accommodation, meals, and other necessary expenses if you need to temporarily move out of your home due to a covered incident.
Personal Liability Coverage
It helps pay and provides a legal defense for claims of property damage, bodily injury, or medical bills if you’re found liable.
Medical Payments to Others
it helps pay for minor medical claims if a guest is injured in your home or property.
Other Basic Coverages
Covers expenses paid to prevent further damage after a covered event. For example, it pays fire department service charges or removal of debris after a fire.
Homeowners insurance optional coverages include:
Special Increased Limits Coverage
Provides added protection for jewelry, watches and furs, silverware, goldware and pewterware, firearms, money, securities, and electronics.
Scheduled Property Coverage
Certain items, including fine arts, bicycles, musical instruments, and coins, can be scheduled individually and insured to their appraised value.
Limited Earthquake Coverage
Includes a cap on personal belongings and a maximum on additional living expenses.
We offer additional coverage options to customize your policy.
Homeowners Insurance Coverage: Glossary of Terms
Homeowner insurance policies will typically include the terms listed below. This list is not exhaustive, but they are key terms to know so you can better understand your policy.
Coverage
The protection and benefits provided to you by your insurance company in exchange for a premium.
Covered Loss
An event, injury, death, or liability that your insurance company will pay benefits for under the terms of the policy.
Declarations Page
A document that summarizes the coverage provided by your homeowners insurance policy.
Deductible
The portion you pay out of pocket, if you file a claim, before your insurance policy steps in.
Dwelling Coverage
Part of your overall home insurance policy, this covers your home’s structure, but not its contents or land.
Effective Date
The date that your insurance policy begins.
Exclusions
An item or risk specifically not covered by an insurance policy.
Limits
The maximum amount of financial protection for a specific coverage.
Loss of Use
Helps pay for additional expenses incurred if you have to move out of your home while it’s being repaired or rebuilt.
Medical Payments to Others
Covers minor medical claims resulting from a guest injury on your premises.
Personal Liability
Protects you against claims resulting from injuries to guests on your property.
Personal Property
Any asset you own, other than real estate.
Policy
The contract between you and your insurance company./p>
Premium
The price of your insurance policy.
Scheduled Personal Property
Supplemental insurance that extends coverage beyond the standard insurance.
Get a Homeowners Insurance Quote in Your State
Wawanesa members benefit not only from affordable homeowners insurance, but also from our award-winning customer service. Learn about customizable coverage, easy claim handling, and available discounts in your state.
Frequently Asked Questions About Homeowners Insurance
Have more questions on homeowners insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.
Disclaimer
Please note that this website provides only a summary of homeowners insurance to generally illustrate how homeowners insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.