What does a homeowners policy cover?

A homeowners policy is intended to cover your buildings, contents, and liability.

  •  Your Dwelling - the main structure and all attached structures.
  •  Other Structures - structures detached from your home, i.e., garages, sheds, barns.
  •  Contents -  your belongings that are not permanently attached to your home.
  •  Loss of Use -  extra expense coverage such as hotel room expense, if you suffer a covered loss and cannot stay in your home.
  •  Liability - coverage and legal defense for physical injury caused to others accidentally for which you are deemed liable.
  •  Medical Payments - a good will type of coverage. Provides payment for injuries to non-household members regardless of fault.

 IMPORTANT NOTE: There are several things a basic homeowners policy either does not cover at all, or has very limited coverage available for (eg Flood, EQ, Jewelry).  Please check out additional FAQ's for more information.

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