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Leo from Bell and Lyons Insurance
Leo

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Explore What Each Home Coverage Protects

Click each hotspot to see what the coverage does, what risk it addresses, and why it may matter for your quote.
Home Insurance Map

Dwelling Coverage

Risk Factor

The house itself can be damaged by wind, fire, water events, or other major covered losses.

Solution

Dwelling coverage is designed to repair or rebuild the main structure, which is why construction details and roof information matter.

Other Structures

Risk Factor

Swimming pools, detached garages, fences, and other exterior structures are still exposed to storms and property damage.

Solution

This part of the policy extends protection to eligible structures on the property that are separate from the home itself.

Personal Property

Risk Factor

Furniture, electronics, clothing, and valuables may be lost in a fire, theft, or major interior damage event.

Solution

Personal property coverage helps replace belongings after a covered loss and may require separate attention for high-value items.

Guest Bodily Injury Liability

Risk Factor

If a visitor is hurt walking the property, using the pool area, or entering the home, the homeowner can face medical-cost and legal exposure.

Solution

Personal liability coverage helps protect against covered bodily injury and property damage claims made by guests and other third parties.

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