Home Insurance: Coverage Options

What are my coverage options?

Whether you rent or own your home, you've got a wide range of property insurance products and coverages to choose from at Demuth Agency.

First, understand which coverage elements are common among all Allstate property insurance policies:

• Personal Property - To protect movable personal property, mostly within your home. Certain coverage limits apply.
• Family Liability Protection - To pay for covered damages which you're legally obligated to pay.
• Guest Medical Protection - To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
• Additional Living Expenses - To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.

Personalize your policy with additional coverages such as:

• Replacement Cost Coverage - for many of your contents.
• Scheduled Personal Property Coverage - with increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, cameras, personal computers and sports equipment.
• Increased building code coverage - For example, if your home is damaged or destroyed you'd need protection to bring it up to today's code standards as it is repaired.
• Portable cellular communication systems coverage
  
• Satellite Dish Antennas coverage
  

And many more! See your Demuth Agency agent for more information on the Optional Coverages available in your state.