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What Does Home Insurance Cover?

Homeowner’s insurance is designed to help cover the costs of damage done to your house, or the contents inside. It also offers liability protection should someone become injured on your property.

While every policy is different, there is basic coverage that most home insurance policies provide. Familiarizing yourself with the different types of coverage that are available can help you to choose a policy that is right for you.

Dwelling Coverage
Perhaps the best-known coverage that home insurance provides is dwelling coverage. This covers the cost of repairs to a home, or a rebuild if necessary, and usually includes a wide range of damages. This coverage applies only if the damage is caused by a covered cause of loss, so it’s important to check with your insurer ahead of time to see what type of damage is included in your policy.

Personal Property
Homeowner’s insurance also extends to cover replacement of personal belongings that are in the home or on the property. You can also purchase additional personal property insurance, extending your insurance to fully cover any valuable items you have. This is especially important if you have any high value items that may be over the payout limit on a standard home insurance policy.

Theft
Most policies also offer coverage for theft. Policies generally extend their protection to not only items in your house, but all of your personal property on the premises, up to the value listed on your policy. 

Loss of Use
Many home insurance policies contain a “loss of use” clause, meaning that the policy will provide coverage for additional accommodation in the event of a natural disaster destroying your home. Keep in mind that perils such as an earthquakes, or flooding due to a hurricane are not generally covered in basic homeowner policies.   

Liability
Most homeowner’s policies provide liability protection in case of a lawsuit due to an injury that someone sustains while on your property. Homeowner’s policies usually offer protection up to a certain amount, so it’s important that you know how much coverage you have.    

While this list is a summary of what most home insurance policies cover, policies vary greatly. It is important to check with your agent to find out exactly what your policy covers. You could also ask about additional coverage for your home and personal property as well.

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