Residential coverage plans designed to address the actual risks homeowners face, from structural damage to personal liability.
What's Available
Homeowners carry financial exposure that spans multiple dimensions - a single event can affect the structure of the property, the contents inside, and the liability that comes with someone getting hurt on the premises. Coverage plans are built to address each of those dimensions distinctly rather than bundling everything into one vague policy.
The coverage categories available through HomesbyBennett are designed with clarity in mind. Each plan type targets a defined risk area, so it's straightforward to understand what a particular plan covers and how it activates when a qualifying event occurs.
Plan Breakdown
Each coverage type below represents a distinct area of residential risk. Plans can be reviewed individually or in combination depending on the property's specific exposure profile.
Fire & Hazard Protection
Covers physical damage to the home's structure caused by fire, smoke, explosions, and related hazards. Includes repair or replacement of structural components up to the policy limit.
Water & Weather Events
Addresses property damage resulting from storms, wind, hail, and certain water-related events. Covers roof damage, structural breaches, and weather-driven interior damage.
Theft & Forced Entry
Provides coverage for loss of personal property and structural damage resulting from burglary, theft, or forced entry. Applies to on-premises incidents and, in some plans, off-premises theft.
Personal Liability
Covers financial exposure when a third party sustains injury or property damage on the insured premises. Includes legal defense costs and judgment amounts up to the selected liability limit.
Additional Living Expenses
When a covered event makes the home temporarily uninhabitable, this coverage pays for reasonable temporary housing, meals, and related costs while repairs are completed.
Personal Belongings
Covers furniture, electronics, clothing, and other personal property damaged or destroyed by a covered event. Replacement cost or actual cash value options are available depending on the selected plan tier.
How Deductibles Work
A deductible is the amount paid out-of-pocket before coverage activates on a claim. Higher deductibles reduce the annual premium, while lower deductibles mean more immediate coverage at a higher ongoing cost. The right level depends on the property's risk profile and financial situation.
Reach out directly with any questions about specific plan types, deductible structures, or what's included in a given coverage category. Getting clarity before committing is always the right approach.