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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.
How does homeowners insurance work?
Home insurance is a contract between you and the insurance company. In return for a payment (called the premium), the insurance company agrees to pay for certain losses to your home or lawsuits against you and resident family members. The contract typically lasts for one year and can cover a variety of different losses, including wind, fire, vandalism, theft, and many others.
