Firefly’s dwelling coverage helps repair or completely rebuilt your house in case it got damaged by a fire, severe weather, fallen trees, ice dams, or other covered risks.

For example, if your roof collapses under the weight of ice, snow, or precipitation, your policy will cover any interior element that sustained damage like walls, kitchen cabinets, and countertops.

If repairs cause by a covered loss makes your house unhabitable, then your chosen insurance will cover your temporary living expenses-up to your policy’s limits.

If you or a member of your family is held accountable for harming another person or damaging their property, then the personal liability insurance can help safeguard your assets. Libel, slander, and other legal coverages could be added on for extra cost. If you require greater protection than the specified liability limit, then a different umbrella policy might be suggested.

Example: A delivery person trips and breaks their arm on your stairs. Your homeowners insurance might pay their medical expenses and missed wages if you are proven to be at fault.

If your personal property, such as furniture, clothes, electronics, etc., is damaged or destroyed in a covered loss, personal property coverage can assist with their repair or replacement costs.

You might need to "schedule" expensive items like jewels, art, and collectibles. This means adding an insurance rider to your homeowners insurance policy.

Your cellphone, work gear, and other equipment got stolen when someone broke into your automobile? Don’t worry! Your homeowner's insurance coverage can cover the cost of replacing the stolen goods; up to the limits of your policy and minus your deductible.