Some coverages, discounts and features may not be available in all states. News nor the individual writers of this content are licensed to sell or advise on insurance products. News) prepared this content about insurance companies for general informational purposes only.
When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence. News 360 Reviews takes an unbiased approach to our recommendations. Military uniforms are also automatically covered against loss if you’re active duty or deployed.Replacement cost is included in USAA’s standard homeowners policy and does not factor in depreciation when you file a claim for your personal belongings.This coverage is not available in North Carolina. Identity theft covers up to $5,000 in identity restoration expenses if you are a victim of identity theft.This is also called additional living expense (ALE). Loss of use pays for expenses such as staying in a hotel or eating at restaurants while your home is uninhabitable after a covered loss.Personal liability provides lawsuit protection if you are sued or held legally responsible for accidental injuries or damage you cause to others or to their property.Personal property covers your belongings if they need to be repaired or replaced due to a covered claim.Coverage for other structures is typically based on a percentage of the dwelling coverage amount. Other structures coverage applies to the repair or replacement of structures not directly attached to the dwelling, like a pool, fence, or detached garage.This extends to attached structures as well, such as a garage, porch, or deck. Dwelling coverage pays to repair or rebuild the home’s structure after a covered loss.
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