What Does Homeowners Insurance Cover?

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They say the home is where the heart is, and if that rings true to you, you should want to protect it.

Homeowner’s insurance is one of the essential insurance policies to have, and as a homeowner, your home is one of your most valuable assets and investments.

Not every homeowner’s insurance policy is the same, but here are the basics of a standard policy.

What is homeowner’s insurance?

Homeowner’s insurance protects you financially from many losses to your home, such as natural disasters, break-ins, and accidents.

What is generally covered under homeowner’s insurance?

  1. The structure of your home:

If an incident such as a fire or extreme weather occurs, homeowner’s insurance can pay for the damage caused by it. Built-in appliances are also usually covered. Sometimes, detached structures like a garage can be covered, but not always.

  1. Your personal belongings inside your home:

Items such as your furniture, clothing, electronics, and more can be covered under homeowner’s insurance. Always be sure to create an inventory to calculate the value of your possessions. When doing so, take photographs and videos.

  1. Liability:

Liability protects you from many legal situations, such as an injury of another person you are responsible for. It can cover legal fees up to a certain amount, depending on your specific policy.

Like every other insurance policy, homeowners cannot protect you from everything.

What may not be covered?

  • Earthquakes
  • Flooding
  • Neglect
  • Government action
  • Power failure

To get more protection, you can always add additional coverages. Be clear about what you want in a policy and talk to your agent about what is most suitable for you and your home’s needs.

If you have more questions about homeowner’s insurance, contact your local Avery Hall agent in Milton, Delaware at 302-684-3413. Or request a free homeowners insurance quote right here on our website.

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