Home Insurance

A typical home insurance policy will include the following:

• Dwelling coverage – The roof, walls, and foundation of your home are all covered under dwelling coverage. If any of these things become damaged, you will receive help to repair or replace them.
• Other structures – If any structures in your home that are not permanently attached become damaged, such as a shed or fence, this will cover repair costs.
• Personal property – Your personal property is protected under this coverage. Items such as clothing, furniture, and electronics are all covered if something were to happen to them.
• Personal liability – If you are liable for a visitor’s injuries or if you cause damage to someone else’s property, this will protect you financially.
• Medical payments to others – This covers medical costs for guests who are injured, regardless of whether you are at fault.
• Loss of use – If you are not able to live in your house following a loss, this covers your additional living costs, such as hotel bills, food bills, and more.