4 Things Covered by Homeowners Insurance Policies 

1. Dwelling

Dwelling coverage, or dwelling insurance, may help fund the rebuilding process or repairing parts of the home’s structure, like the walls, roof, and attached garage if your home is damaged by a hazard that is covered. These hazards include fire, smoke, windstorms, hail, lightning, and vandalism. Your dwelling coverage should cover the cost to completely rebuild your home with similar materials as it is built now.

2. Other Structures

Other structures coverage helps pay to repair or rebuild parts of your home that are not connected to the main property. This can include things like a fence, a detached garage, and an in-ground swimming pool. Your other structure’s coverage may be based on a percentage of your dwelling coverage. Increasing your dwelling coverage before adding other structures to your property may help cover new expansions.

3. Personal Property

Personal property coverage protects the valuables inside your home. This can include jewelry, furniture, electronics, and clothing. These items are protected if they are damaged by a covered loss, like theft or fire. Make sure to take inventory of your belongings by taking pictures and documenting the purchase price of each item. This will be helpful if you need to file a claim.

4. Personal Liability

Personal liability coverage protects yourself if someone gets hurt on your property or if you damage someone else’s property. This can cover repairs, legal fees, and medical costs.

Typically, your homeowner’s policy will have liability limits between $100,000 to $300,000.

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