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Maine Homeowner’s Insurance Extras

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Your Maine homeowners insurance policy should ideally provide coverage for property damage, your possessions, liability, and additional living expenses if your home becomes temporarily uninhabitable. These are basic types of coverage but there are several extras you may be able to get if you wish to. It’s best to discuss with your agent which of these might be suitable for you.

Emergency coverage
In the event of an emergency, a tradesperson can be at your home within a certain time (say, 24 hours), to conduct repairs. This could be handy for people who might struggle to find somewhere else to stay if their home is significantly damaged.

Accidental damage coverage
Some types of accidental damage can be covered under a Maine homeowner’s insurance policy option – do you need coverage for accidental breakage or damage? For parents with rambunctious kids it can be an attractive option!

HO-5 insurance
A common type of Maine homeowners insurance policy is an HO-2 policy, which covers you for “named perils” such as fire, theft, lightning and storms. An HO-3 policy is an “open perils” policy that covers damages to your home with some exclusions. An HO-5 policy is even more comprehensive. Both your house and your possessions may be financially protected against open perils under this type of coverage.

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