Homeowner’s insurance may offer financial protection for your home and personal property. It may also offer liability protection should someone get injured on your property.

For example, homeowner’s insurance may help pay for the damages in the event that:

  • A tree falls on your roof during a thunderstorm.
  • One of your guests trips on the front porch step.
  • Someone throws a rock through your living room window.

What does homeowners insurance cover?

Homeowner’s insurance policies may include the following coverage options:

Dwelling Coverage

Dwelling Coverage may provide protection for your house and structures directly attached to it. Dwelling generally offers coverage for things like electrical wiring, plumbing, heating and air conditioning and larger structures such as foundations, walls and stairs.

Coverage for Other Structures

Most policies offer coverage for buildings located on your property that are not attached to your house. Examples of other structures included detached garages, carports and fences.

Personal Property Coverage

Personal property coverage may help pay for your personal belongings such as appliances, furniture, clothing and computer equipment

Liability Coverage

Liability coverage may help pay for your legal defense in the event of a lawsuit. It may also helps pay court judgements against you.

Medical Payments Coverage

Medical Payments coverage may help pay medical expenses if someone is injured on your property or is injured by a member of your family (including your pet).

Coverage for Loss of Use

If you cannot live in your home due to a covered loss, Loss of Use coverage may help pay your temporary living expenses. For example, if you your house must be repaired after a kitchen fire, this coverage may help you pay for a hotel stay.