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Protection Plans

Protection Plans

I offer comprehensive home insurance coverage designed to keep the dwelling, the belongings inside, and the people who live there protected through every season of homeownership.

Coverage Options

Plans Built Around What Matters Most

Four focused coverage areas, each designed to address a distinct layer of home protection. I provide clear terms, dependable guidance, and steady support when it counts.

Dwelling Cover

Focused coverage for the structure of the home itself, including walls, roof, floors, and permanent fixtures. When the unexpected strikes the building, this plan addresses repair and rebuild costs.

  • Structural damage from fire and storm
  • Roof and foundation repair coverage
  • Attached garage and built-in appliance protection
  • Replacement cost basis for covered losses
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Belongings Plan

Coverage for personal property inside the home, from furniture and electronics to clothing and valuables. Losses from covered perils are addressed whether items are at home or temporarily elsewhere.

  • Furniture, electronics, and clothing coverage
  • Off-premises property protection
  • Jewelry and valuables scheduling option
  • Theft and vandalism included
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Liability Care

Personal liability coverage that protects against claims arising from injuries or property damage for which the homeowner may be responsible. Includes legal defense cost coverage up to policy limits.

  • Bodily injury liability coverage
  • Property damage liability protection
  • Legal defense costs included
  • Medical payments to others coverage
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Loss Of Use

Additional living expense coverage for when the home becomes uninhabitable due to a covered loss. Temporary housing, meals, and other increased living costs are addressed so daily routines can continue.

  • Temporary housing expense coverage
  • Increased meal and living cost reimbursement
  • Coverage for the duration of repair period
  • Pet boarding and storage cost assistance
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Covered Perils

A Clear Look at What's Included

Home insurance coverage typically addresses a wide range of events that can impact the dwelling and its contents. Understanding what falls within a policy helps you make confident, informed decisions.

The checklist to the right outlines the common perils and situations I address through my protection plans, giving a clear foundation for evaluating what fits best.

Fire and Smoke Damage
Windstorm and Hail
Lightning Strikes
Water Damage from Burst Pipes
Theft and Burglary
Vehicle Impact Damage
Weight of Ice and Snow
Explosion and Falling Objects
Calm residential home with reliable insurance coverage
Calm Coverage
How It Works

A Simple Path To Protecting Your Home

01

Share Your Home Details

Tell me about the house, the rooms, and what matters most inside. The more I understand, the better the cover can fit.

02

Pick A Plan That Feels Right

I walk through options that match the budget and lifestyle of the household, with no rushed choices and no confusing words.

03

Stay Supported After Signing

I stay close when questions come up, claims happen, or life at home shifts in ways that need a quick policy update.

Questions Answered

Frequently Asked Questions

Clear answers to the questions I hear most often about protection plans, coverage limits, and how claims work.

What does dwelling coverage actually include?
Dwelling coverage addresses damage to the physical structure of the home, including walls, roof, floors, built-in fixtures, and attached structures like garages. It is designed to cover repair and rebuilding costs when damage results from a covered peril such as fire, storm, or lightning. Detached structures on the property may also be covered under separate provisions.
Is personal property covered outside the home?
The Belongings Plan extends coverage to personal property even when it is temporarily away from the home. For example, items stolen from a vehicle or damaged while traveling may be covered up to policy limits. High-value items such as jewelry or electronics may benefit from a scheduled endorsement to ensure full replacement value.
How does liability coverage protect the household?
Liability Care coverage responds when someone is injured on the property or when the homeowner is found responsible for damage to another person's property. It covers legal defense costs, settlements, and medical payments up to the policy limits selected. This protection applies both on and off the property in many situations, providing broad peace of mind.
What triggers the Loss of Use plan?
Loss of Use coverage is activated when a covered loss makes the home temporarily uninhabitable. This plan addresses the additional living expenses incurred during the repair period, including hotel stays, meals above normal costs, and other necessary expenditures. Coverage continues for a reasonable period while the home is being restored to a livable condition.
Can multiple plans be combined for broader coverage?
I design my protection plans to work together, providing layered coverage across different aspects of homeownership. Many homeowners choose to combine dwelling, belongings, and liability coverage for comprehensive protection. When I provide a quote, I will outline how selected plans interact and what each layer covers, making it easy to build a policy that fits the specific situation.
How is a claim filed with RositaHouse?
Filing a claim with me is designed to be as straightforward as possible. Reaching out by phone or email is the first step. I will walk through the required documentation, assess the loss, and provide a clear timeline. My goal is to resolve claims with minimal stress and clear communication throughout each step of the process.
Ready to Begin

Get Coverage That Feels Right

Start with a free, no pressure quote and explore the protection plan that fits the home and the life inside it. I offer clear guidance, calm support, and coverage that makes sense from day one.

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