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Additional Living Expenses
You’re feeling inspired by your inner chef, but end up setting fire to half your kitchen and living room. Your insurance policy will pay the extra costs you incur living at a temporary location if you are forced out of your home for any reason.
This will cover all your personal belongings, AKA your “stuff” in case of theft, fire, water damage or pretty much anything else that could happen. From your collection of shoes to that vintage guitar you never play (but definitely will… someday), your contents are all the things you’ve bought, meant to re-gift and borrowed but forgot to return to a friend.
Guaranteed Replacement Cost
By insuring your home for replacement value this coverage is included and gives you added peace of mind. With GRC, in the event of a total loss to your home, the insurance company will cover the costs to replace your home exactly to the way it was. Even if during the policy term, the cost of material goes up, they will pay for those added expenses.
If someone, let’s call them “that guy,” steals your identity, your policy coverage will kick in to cover most expenses you will incur due to the damage that was caused. This includes everything from legal fees to professional fees charged by lawyers or notaries to defense costs and even cover loss of income! The coverage even extends to your spouse, children under 21 and relatives living in your home.
Legal Expense Coverage
As the saying goes, accidents happen. For instance, if the delivery guy slips and injures himself, your insurance policy will extend to cover liability claims. It will also cover you if you lose track of time and accidentally let your bathtub overflow, damaging the unit below you.
Service Line Coverage
Gross right? Your insurance policy will cover losses from the backing up of sewage into your home or damage caused by water escaping from appliances or a pipe that bursts.
Water Protection Coverage
Water damages have surpassed Fire claims. Yikes! This protects your home for damage caused by flood, surface water, ground water and sewer back up.
Quickly, Easily, Online
From viewing your insurance policy, making changes, checking payments, and reporting a claim you can do it all with your Mello Insurance account. In minutes, from anywhere, using any device, we make it all simple!