Homeowner Coverage – Allen Insurance Group

Homeowner Coverage – Allen Insurance Group

Principal Dwelling

This is the dwelling itself and attached structures to the house such as carports, solariums, decks, etc and their attached equipment.

Personal Property

Contents that you own that is not fixed to the building including everything that is owned, worn or used by the insured on the premises usual to the ownership or maintenance of the dwelling. This includes contents in your outbuildings that are not motorized vehicles.

Detached Private Structure

Buildings that are not attached to the principal dwelling, used for personal use only (no agricultural or commercial use)

Additional Living Expense

If and insured peril renders the building unfit for occupancy, this coverage provides funds to cover additional reasonable expenses incurred until the dwelling is fit for occupancy.

Voluntary Property Damage

Unintentional direct damage caused by the insured to property of others.

Voluntary Medical Expense

Provides coverage for reasonable medical expenses should a bodily injury accidentally occur on the premises the insured owns or rents.


  • Covers your legal liability arising out of personal actions anywhere in the world.
  • Covers your legal liability arising out of the ownership use or occupancy of premises.

Sewer Back Up

Provides coverage so that public sewer or personal septic system back up into your home and causes damage. Many insurers also include sump pump back up in this coverage.