It is basically full coverage. Our daughter is covered and I am covered also. The experience with them has been outstanding. I did not get my renewal card once, so I called them and they were in the mail the next day to me.
Our current insurance company is Liberty Mutual. They provide car insurance for us.
There is a monthly mortgage payment to what they call an escrow account and Liberty Mutual gets their payment directly out of there. I do not ever have to write them a check for that and that includes the earthquake insurance I asked them to add on. I love not having to write a check. They do not have a problem dealing with the mortgage company to get their money, so I am happy and they are happy.
Liberty Mutual provides homeowner insurance for us. I have had them for two years.