Personal belongings coverage protects your property (ex. clothing, electronics, furniture) if it’s damaged or lost in a covered event. It’s automatically included in all YouSet homeowners’ policies.

If the physical structure of your home or any detached structures (ex. shed, garage) are damaged in a covered event, this coverage can help pay for repair or rebuilding costs. It’s automatically included in all YouSet homeowners’ policies.

If you need to relocate temporarily due to a covered claim, additional living expenses coverage can help cover costs like hotel stays or temporary apartment rentals. It’s automatically included in all YouSet homeowners’ policies.

In the event you cause injury to others or damage their property, personal liability coverage can help cover medical bills, legal expenses, repair costs, and even lost wages for the injured party. It’s automatically included in all YouSet homeowners’ policies.

If sewage were to back up into your home from sewers, floor drains, or septic tanks, sewer backup coverage can help cover the cost of the damage. It’s optional, but strongly recommended for homeowners.

If freshwater unexpectedly accumulates and enters your home, overland water coverage can help cover the cost of the damage. It’s optional, but strongly recommended for homeowners.

If water unexpectedly enters your home from above, such as through the roof, walls, windows, or doors, above-ground water coverage can help cover the cost of the damage. It’s optional, but strongly recommended for homeowners.

Unlike your bank, which covers fraudulent charges, identity theft coverage reimburses you for unexpected expenses like legal fees, document replacement, and banking charges.

If you own an item that’s valuable or hard to replace, you can add it to your policy as a floater. That way, if it’s lost or damaged by a covered event, it’s protected for its full appraised value.