It typically covers damages to the structure of the home, personal property inside it, and liability for injuries or accidents that occur on your property.
Key components usually include:
- Dwelling Coverage: Protects the physical structure of your home against risks like fire, wind, or vandalism.
- Personal Property Coverage: Covers personal belongings, such as furniture and electronics, if they are damaged or stolen.
- Liability Protection: Offers coverage if someone is injured on your property and decides to sue.
- Additional Living Expenses: Helps cover living costs if your home is uninhabitable due to a covered loss.
It’s important to read the policy details carefully, as coverage can vary significantly between providers.
