Types of Coverage – Homeowners


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What is Homeowners Insurance?

In the United States, most home buyers borrow money in the form of a mortgage loan, and the mortgage lender often requires that the buyer purchases homeowner’s insurance as a condition of the loan, in order to protect the bank if the home is destroyed.

Homeowners insurance compensates for losses to your home and your possessions inside. It also provides protection if you’re legally liable for someone’s injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.

What is Covered with a Homeowners Policy

Different companies offer different homeowners insurance coverage, so choosing the right policy means finding the right mix of coverage to meet your needs. Generally, a standard homeowners insurance policy protects the following:

• The physical structure of your home
• Structures on your property (storage sheds, pools, boathouses, etc.)
• Your personal property and belongings inside your home, up to specified limits
• Your liability or legal responsibility for any injuries and property damage you or your family members cause to other people
• Injuries to your household pets while inside your home
• Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home.


Selecting additional options in your homeowners insurance coverage can include:
• Higher limits of liability for property damage or bodily injury
• Replacement cost for personal property
• Protection for valuables (jewelry, watches, fur, etc.)
• Additional coverage for electronics or computer equipment

A townhouse also can be insured with a homeowners insurance policy.

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