Other structures
Garage, shed and fence
A fire, a storm or a guest's injury can put your home and your savings at risk. Pelorus helps you arrange homeowners coverage and keep it current as your home changes.
Your household, considered together.The home, inside and out
Think beyond the front door.
Rebuilding the house and replacing what’s inside are different needs.
The dwelling
Base coverage on today’s cost to rebuild the structure, including its materials and finishes.
Your belongings
Furniture, clothing and electronics
Living elsewhere
Additional living costs after a covered loss
Personal liability
Injury or damage you cause others
Under the policy
What the coverage can include.
- 01The house itself, repaired or rebuilt after a covered loss
- 02Other structures, such as a detached garage, shed or fence
- 03Personal belongings, such as furniture, clothing and electronics
- 04Additional living expenses if a covered loss makes the home unlivable
- 05Personal liability for injury or property damage you cause others
- 06Medical payments for guests injured at your home
Who it’s for
A change in your life is a reason to review.
First-time homebuyers
Mortgage lenders usually require proof of coverage before closing, so limits are often chosen in a hurry.
Owners who have renovated
A new kitchen, addition or finished basement is a good reason to update your rebuild estimate and dwelling limit.
Households with valuables
Jewelry, watches and collectibles can be individually scheduled with values and coverage suited to each item.
Homeowners in storm-prone areas
A review of wind and hail deductibles helps you plan the amount you would fund after a storm.
Before we talk
The questions behind the policy.
How can I add flood or earthquake protection?
Flood and earthquake protection can be arranged through separate policies or endorsements alongside homeowners insurance. We help you compare options for your location and plan the start date.
How much dwelling coverage do I need?
Use the cost to rebuild the structure at today's labor and material prices. We help you review the insurer's estimate and account for renovations, finishes and local construction costs.
Your next step
Make it fit the life you have.
Start with what you own and who depends on you. We’ll help you review the policies together.
Prefer email? Contact our teamUseful for a first conversation
- Your current policies or contract terms
- The locations, dates or assets involved
- What has changed since your last review
You don’t need everything ready to get in touch.