Dwelling coverage helps pays for damage to the structure itself caused by sudden, accidental events like fire, wind, lightning, falling objects and vandalism. This is the coverage most homeowners think of first when selecting insurance.

Contents coverage is just that — it covers what’s inside your home. I’m talkling about everything from furniture and electronics to pots and pans. If these items are lost or destroyed by a covered event, your policy can help pay to replace them.

The third component of your home policy is liability coverage. It protects you from loss if you’re financially responsible for injury to others or damage to their property. This coverage extends beyond your home and follows you anywhere.

Smart Plan Home policies can make it easier for you to protect your home exactly how you want. You decide on one of three home insurance packages, and then make it your own with limits and options of your choosing:

• Standard: Gives affordable coverage and available protection for what matters to you
• Enhanced: Offers extended limits and replacement cost of home’s contents and roof
• Premier: Provides guaranteed replacement cost and highest limit personal property