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Dwelling coverage is intended to rebuild your home in the event of a loss such as fire, weather damage or worse yet a car being driven into your living room. Some townhouse policies have this coverage however condo policies never contain this coverage.
Theft, fire, or other losses can damage or destroy the things you own. This coverage helps to replace the things that are dear to you after a loss. Condo policies and some townhouse policies often use this coverage to protect not only your possessions but also the build out of the home in the event of a major loss.
Liability coverage is one of the most important coverages in any policy. Put most basically, liability insurance protects you from law suit.
A home warranty is a special insurance product that functions like an extended warranty for your major appliances. Air conditioning, plumbing, and most major appliances are often covered under these policies. These policies are available to any owner.