Homeowners insurance includes dwelling coverage, which protects the physical structure of your home against perils such as fire, windstorm, hail, or vandalism. This coverage helps cover the cost of repairing or rebuilding your home in case of covered incidents.

Personal property coverage is an important component of homeowners insurance. It helps protect your personal belongings, such as furniture, clothing, electronics, and appliances, from covered perils. In the event of a loss, this coverage helps cover the cost of replacing or repairing your belongings.

Liability coverage is designed to protect you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property. It helps cover legal fees, medical expenses, and other related costs resulting from a liability claim against you.

If your home becomes uninhabitable due to a covered incident, homeowners insurance can provide coverage for additional living expenses. This coverage helps pay for temporary accommodation, meals, and other necessary expenses while your home is being repaired or rebuilt.

Homeowners insurance typically includes coverage for other structures on your property, such as detached garages, sheds, or fences. This coverage helps repair or rebuild these structures if they are damaged or destroyed by covered perils.

Depending on your specific needs, you may have the option to add policy endorsements to your homeowners insurance. These endorsements can provide additional coverage for specific items, such as jewelry, fine art, or high-value personal belongings, that may exceed the standard policy limits.