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HomeOwners Insurance InformationThe standard Home owners insurance policy will cover you for the following: Fire or lightning, windstorm or hail, explosion, riot or civil commotion, damage caused by an aircraft, damage caused by a vehicle, smoke, vandalism and malicious mischief, theft, volcanic eruption, falling objects, weight of ice, sleet or snow, freezing of household systems or appliance, accidental discharge or overflow of water or stream from within a household system or appliance, sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system, and Sudden and accidental damage from artificially generated electrical current.Property Damage: Pays for the damage to you home, personal property and other structures including tools sheds, detached garages or houses. You will also have limited coverage for you silverware, computers, money, antiques, jewelry and guns. Replacement Cost or Actual Cash Value: Replacement cost will insurance you to replace your home or repair damages with materials of like kind and quality, without deducting for depreciation. Actual Cash Value (ACV) is cost to replace or repair your home after depreciation. Additional Living Expense: Pays you if you cannot live in your home due to covered damages under your policy or if you are denied access to your home due to a government order. Expenses include warehouse storage, meals and lodging. Personal Liability: Protects you against a homeowners insurance claim or lawsuit resulting from property damage or bodily injury to others caused through your negligence (not including automobile or business claims or lawsuits). Medical Payments: Will pay the medical expenses to others not living in your household regardless of fault due to injuries from a member of your household or your pet. QuoteMatcher.com also provides Disability, Health, Life and Auto Insurance Quotes. | 
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