Preserving your palace

Dwelling Coverage

This can pay to repair or rebuild your home's foundation, roof, windows, walls or plumbing if it's damaged or destroyed.

Other Structures Coverage

This optional coverage pays to repair or rebuild other damaged structures on your lot, such as a detached garage, shed or playhouse.

Loss of Use Coverage

We're here to help you and your family get back to normal when you're repairing your home after a disaster. This coverage helps pay your living expenses if you can't stay in your house while it's being repaired or rebuilt.

Furniture and Appliance Coverage

Your furnace should keep you warm, not make you sweat. PEMCO covers your home's furniture and large appliances, such as your water heater, oven or refrigerator, in the event they're damaged during a covered loss.

Personal Belongings Coverage

This coverage will protect your personal property in your house like clothing, books, kitchen equipment and other items under your roof. It also covers these things when you travel. For expensive items, like jewelry and computers, you'll want to talk with your PEMCO agent to be sure you're covered.

Replacement Cost Coverage

This coverage pays what it will cost you to replace your belongings at today's prices (instead of what you paid originally or the item's depreciated value). Talk to your agent for details.

Help after a Disaster

Your policy covers most damages to your home or belongings from events such as fire, smoke, storms, or crimes like vandalism or burglary. Your coverage also accounts for sewer backups, up to $5,000, at no additional cost. Like most policies, this does not cover floods, earthquakes, or normal wear and tear.

Wildfire emergency help

PEMCO partners with Wildfire Defense Systems (WDS) to provide FREE services to help protect your structures that are at-risk of an active wildfire.

In a wildfire emergency, a WDS team may visit your home to reduce its risk of damage before flames reach your property line. This private service does not affect the wildfire response you’ll receive from your local fire district or eligibility for state or federal wildfire resources. You can choose to opt in or opt out of the service.

Personal Liability Coverage

We can help defend you if you're held legally liable when someone is hurt or something of theirs is damaged, while you're on their property or they're on yours.

Medical Payments to Others Coverage

No matter whose fault it is, this coverage helps pay medical bills for a guest injured at your home. It also covers you if you accidentally injure someone when you're on their property.