: Covers medical expenses for guests injured on your premises, regardless of who is at fault. Specialized Options and Endorsements
: Pays to repair or rebuild your home's structure if it is damaged by covered events like fire, windstorms, or kitchen fires. vanguard homeowners insurance
: Applies if someone is injured on your property or if you are legally responsible for damage to others' property. : Covers medical expenses for guests injured on
: Reimburses costs like hotel bills or meals if your home becomes uninhabitable due to a covered loss, often for up to 24 months. : Reimburses costs like hotel bills or meals
Most homeowners policies sourced through Vanguard agencies are "package policies" that include several standard protections:
: Protects your belongings, including furniture, electronics, and clothing, from theft or damage.
Depending on the specific agency and your location, you can often add specialized coverage: Insurance Tips for First-Time Homebuyers