How do our policies defend your home?

There's a world of unexpected adventures, but with PEMCO, you don't have to worry about them following you home. From fire to burglary to burst pipes, PEMCO's customized insurance policies can cover your home inside and out.

Home insurance rates & discounts

What's covered with my home insurance?

With PEMCO, your home is protected inside and out. We can help with damage to your home's structure, your belongings, medical costs from accidents and can shield you from liability. Like most policies, it doesn't cover floods, earthquakes or normal wear and tear.

Coverage from your foundation to your roof

PEMCO homeowners insurance defends your entire home. The exterior structure, interior finishes and any upgrades you've made to your property are covered under our policies.

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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.

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Protecting the things you love

What's inside your house is just as important as the structure. That's why PEMCO protects your things, including furniture, appliances and clothing. You can also add extra coverage for expensive items like jewelry, guns or computers.

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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.

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Coverage from catastrophes

You can't predict when a personal disaster may strike, but PEMCO protection is ready and waiting to help.

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Disaster Coverage

This covers most damage 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.

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Protecting you from liability claims

If you're found legally liable for an injury or damage that happens on your property, PEMCO can help defend you.

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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.

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FAQ

Tips & Resources

Check out our advice to help you save time, money and stress, so you can worry less and live more.

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What if a tree falls across two property lines? Will my Homeowners Policy cover it or will my neighbors?
You and your neighbor should both file a claim with your own insurers. Your policy's liability section may provide coverage if you've been negligent in taking care of the tree, and that negligence contributed to the tree falling.
The policy will provide coverage for the damage to your home. Debris-removal coverage also will be available, up to $2,000, since the tree damaged a covered structure.
Will I be covered if my pipes freeze?
The policy does provide coverage for damage from freezing pipes. If the home is vacant, unoccupied or under construction, there’s only coverage if you’ve taken care to heat the home or shut off the water and drain the system.
When I go on vacation, are my belongings covered?
Yes, the same coverages that protect your belongings at home protect them while you're away on vacation.
Does my policy cover earthquake damage?
No, they're not covered by our renter, condo or homeowner policies. We understand the need for this important coverage, and PEMCO Agency can help you secure a quote with a specialized earthquake insurance carrier. Please call 1-800-467-3626 to learn more.
How do you determine my home's replacement cost?
Your home is being insured for what it would cost to rebuild it. Some of the factors we review include geography, cost of materials and labor, ease of access to the site, etc. It's different than an assessed or appraised value.
Will my insurance cover me if I can't live in my home because of a claim or an evacuation order?
Your Loss of Use provision will help you with living expenses if you can't live in your home. It can also be triggered without damage to your home if the authorities order an evacuation. If you're evacuated, once you've reached a safe location, please call us at 1-800-467-3626.
Does my policy cover flood damage?
Damages due to environmental flooding (water outside the home) aren’t covered by renter, condo and homeowner policies. Flood insurance is available through the National Flood Insurance Program. Our professionals at PEMCO Agency can help you get a policy. For more information, call 1-800-467-3626.
How do I make sure specific items I own are covered, like jewelry or bikes?
To make sure you have the right level of coverage for these specific items, please contact us.