Homeowners insurance can help you protect many different aspects of your home such as the physical structure of your home, the belongings inside your home and the cost of medical expenses for a person injured on your property. Most policies include some standard policy coverage, but you can also select from many optional types of coverage to help protect the things that are important to you. Call us today for help understanding what different types of homeowner’s insurance coverage are available to help you protect the things you care about.
Taking the time to understand what types of homeowner’s insurance coverage are included in your policy can help you understand what it protects. Most home insurance policies include standard coverage, like:
Dwelling (Home Structure)
This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
Guest Medical Protection
This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
Some homeowner’s policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased living costs like hotel stays in the event your home is uninhabitable after a covered loss.
More Coverage Offers More Protection.