What does home insurance policy cover?
There is a range of home insurance policies available to cover you in the event of theft, water backup, personal injury, and other types of losses. Homeowner’s insurance not only covers your home but also you, your family, and your personal belongings.
Basic homeowners insurance coverages
Dwelling
Helps protect your home’s structure, built-in appliances, and wall-to-wall carpet from damage.
Contents
Helps cover your personal property not attached to or built into your homes, such as furniture and clothing.
Personal liability
If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.
Medical payments to others
May help pay for medical or funeral expenses of someone who is injured on your property.
Ordinance or law insurance
May help pay to rebuild your home to current building codes after a covered loss.
Other structures
Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.
Loss of use
Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.
Credit card coverage
Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money
- Posted by admin
- On October 15, 2020
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