Products
Protect your place
Dover Bay helps provide protection for your home and other personal property in case of a covered loss. It helps cover the contents of a typical home, like furniture, appliances, clothing, family heirlooms and other movable personal belongings. It also includes coverage if someone gets hurts at your home, or you cause damage to someone else's property, and you were liable.
What does a home insurance policy cover?
Of course, the ability to repair or replace your home is foremost in homeowners coverage. But homeowners insurance may include even more, like the following lines of coverage:
Property coverage
Loss of use
Helps cover additional living expenses if you need to vacate your home because of a covered loss.
Personal property
Helps cover your personal possessions not permanently attached to your home or your property if they are stolen or damaged by a covered peril 1 .
Additional coverage
May provide payment for arson reward, collapse, credit or bank card forgery, debris removal, fire department service charge, locks and remote devices, power interruption, property removed, refrigerated products, temporary repairs, trees, shrubs and landscaping, and volcanic action.
Liability coverage
Personal liability
Helps cover lawsuits against you, providing protection against legal liability for bodily injury or property damage if a third party is accidentally injured or their property is damaged.
Medical payments to others
Helps cover injuries on your property. Also known as guest-medical payments, it helps provide limited coverage if a third party is accidentally injured and needs medical treatment.
Additional coverages
May provide payment for damage to the property of others caused by you.
