What Does Homeowners Insurance Cover?

Homeowners insurance may help protect your house, your belongings and even you if the unexpected occurs. Typical policies include four key types of protection- dwelling, other structures, personal property and liability coverages. Not all policies are alike, and it is important to remember that coverage limits and deductibles may apply.

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Dwelling Coverage

If your home is damaged, dwelling coverage may help cover costs to repair or rebuild your home from things like:

· Fire and smoke damage

· Wind damage

· Lighting strikes

· Hail or roof damages

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Other Structure Coverages

Other structures coverage may help cover the costs to repair or replace certain other components that are not physically attached to your home such as:

· Detached garages

· Sheds

· Fences

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Personal Property Coverage

Personal property coverage can cover the cost to replace your personal belongings after a covered loss such as:

· Clothing

· Furniture

· Electronics

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Liability Coverage

Accidents can happen no matter how careful the person. Liability coverage can help cover the costs of injury or property damage if you our found liable such as

· Legal expenses

· Lost wages for injured party

· Costs of repairing damages accidentally to someone else’s property

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