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What Does Homeowners Insurance Cover?
Homeowners insurance combines several types of coverage into one. It provides coverage for:
- Property Damage: Pays for repair to your residence and other structures such as detached garages. Home insurance covers many causes of loss but does exclude specific things like flood.
- Personal Property Loss: Pays to replace your personal property, like furniture, appliances, clothes, and more.
- Personal Liability: Pays third parties when you are deemed liable for a loss. This also has exclusions, so make sure to ask us about any questions you may have.
- Added Living Costs: Pays for you to rent a hotel or other dwelling in the event your home is uninhabitable due to a covered loss.
- In-Home Business: Coverage can be extended to provide liability to business operations performed at home.
- Water Backup: Coverage can be added to pay for damage as a result of a backup of sewers or drains.
- Medical Payments: Covers minor medical bills for guests that are injured on your property.
- Additional Coverage: There are many optional coverage types available to be added based on your home’s unique characteristics.
