Understand your risks
What are you actually protecting?
Tap each hotspot to see what that part of a home or renters policy really does.
Dwelling coverage
Helps repair or rebuild the structure itself after a covered loss.
How Amara helps:
This protects the actual home structure. If a covered event damages the roof, walls, floors, or attached parts of the house, dwelling coverage helps pay for repairs or rebuilding. It’s usually based on replacement cost — the amount needed to rebuild today, not what the home originally cost.
Coverage basics
Homeowners, renters, condo, and landlord policies explained
Each policy protects a different kind of space. Here’s the simple version so you can tell which one fits your situation.
Homeowners
You own and live in the home yourself. This is the policy for the actual structure, your belongings, liability, and living expenses if you need to move out during repairs.
Renters
You rent your place from a landlord. This protects your stuff and liability, but not the building itself — the landlord’s policy handles that part.
Condo
You own a condo unit inside a larger building. Your policy fills in the gaps between the condo association’s master policy and what you personally need covered.
Landlord
You own a property but rent it to someone else. This policy protects the structure and landlord risks, not the tenant’s belongings inside the unit.
Quick decision guide