Home Coverage

Home Insurance Made Easier To Understand

Home insurance can include several different types of protection. The goal here is to help you understand common coverage categories so you can ask better questions about your home and your situation.

Common Home Coverage Types

Coverage, limits, exclusions, deductibles, and availability can vary by insurer, property, location, policy form, and other factors.

Dwelling

Dwelling coverage generally helps address covered damage to the structure of your home, subject to the terms, limits, exclusions, and deductible of the policy.

Other Structures

This coverage may apply to certain structures on the property that are separate from the main home, such as a detached garage or fence.

Personal Property

Personal property coverage generally helps with certain covered losses involving belongings such as furniture, clothing, electronics, and other personal items.

Personal Liability

Personal liability coverage may help address certain claims or lawsuits involving bodily injury or property damage for which an insured is legally responsible.

Loss Of Use

Loss of use coverage may help with certain additional living expenses when a covered loss makes the home temporarily unfit to live in, subject to policy terms and limits.

Additional Options

Depending on the insurer and property, additional endorsements or separate policies may be available for specific property, risks, or coverage needs.

Questions Worth Asking

Every home is different. These are some useful questions to consider when reviewing home insurance.

What would it cost to rebuild my home? Rebuilding cost can be very different from market value, purchase price, or the amount you owe on a mortgage.
How much personal property do I have? Think about furniture, electronics, clothing, appliances, collectibles, and other belongings throughout your home.
What deductible am I comfortable with? Your deductible can affect both your out-of-pocket responsibility after certain covered losses and the cost of coverage.
Do I have valuable or unusual property? Certain items may have special limits or may require additional coverage depending on the policy.
Are there risks that may require separate coverage? Certain events, such as floods or earthquakes, may not be covered by a standard homeowners policy and may require separate coverage.

Have Home Insurance Questions?

Tell me a little about your home and your situation and I’ll help you better understand the coverage categories and questions you may want to consider.

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This page is for general educational purposes only and is not a policy, quote, coverage determination, or guarantee of coverage. Insurance products, availability, eligibility, limits, exclusions, terms, and conditions vary. Actual coverage is governed by the applicable policy and insurer.