Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and all the things you keep in it.
Homeowners insurance is designed as a package policy. This means that it covers both damage to your property and your liability, or legal responsibility, for any injuries and property damage you or members of your family may cause to other people. This includes damage caused by household pets.
Damage caused by most disasters are covered however there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. Your homeowners policy does not cover earthquakes and floods. You must buy two separate policies for those risks. Maintenance-
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A standard homeowners insurance policy includes four essential types of coverage. They include:
The coverage you have depends upon the type of policy you have. The most common types of homeowner policies are:
There is no better way to understand your homeowner policy than to read it! We suggest you go through the pages of your policy and find the sections that correspond to the following explanations:
A typical policy consists of three things:
1. The Declarations Page –
2. The Policy Booklet –
3. Endorsements –