We cover your home and its contents for sudden and accidental damage.
We’ll repair or rebuild your home so it’s in a condition as similar as possible to when it was new. If we can’t do that, we’ll pay you market value, or if your home was totally destroyed, we’ll pay the same amount so you can build a new home at the same site or somewhere else.
We’ll also repair or replace all your belongings as if they were new, except the items specified in the policy as being covered for present value only. For those items, we’ll either pay the cost of repairing them or we’ll pay you what they were worth before the loss.