What Does Your Home Insurance Policy Cover?

As a homeowner, protecting your property and personal belongings should be one of your top priorities. Understanding what your home insurance policy covers is essential to ensure you have adequate protection in case of any unforeseen circumstances.

Dwelling Coverage

Dwelling coverage is at the core of your home insurance policy, and it covers the cost of repairing or rebuilding your home in case of damage caused by covered perils such as fire, windstorm, or hail. It also includes any attached structures such as garages, decks, or porches. It’s important to note that dwelling coverage usually does not cover damages caused by floods or earthquakes – you may need separate coverage for these perils.

Personal Property Coverage

Personal property coverage is another essential component of your home insurance policy. This coverage protects your personal belongings such as furniture, electronics, and clothing from damage or theft. It’s important to review your policy to ensure you have enough coverage to replace all your personal belongings in case of a total loss.

Liability Coverage

Liability coverage is designed to protect you from any legal liability that may arise in case someone gets injured on your property or their property gets damaged due to your negligence. Your liability coverage typically includes legal fees, medical expenses, and other costs associated with a lawsuit, up to the policy limit.

Guest Medical Coverage

Guest medical coverage is a component of your liability coverage that covers medical expenses of guests who may get injured while on your property. This coverage typically includes medical expenses such as doctor visits, emergency services, and other related costs, up to the policy limit.