There are six coverages included in most standard home insurance policies:
Dwelling: The structure of your home and any attached structures, like a carport or garage, can be repaired with assistance from dwelling coverage.
It might likewise cover harmed apparatuses like electrical wiring, warming frameworks, and plumbing.
Other arrangements: “Other structures” coverage can help pay for the repair of detached structures like a fence, guesthouse, or tool shed following a covered loss.
Reduced use: Loss-of-use coverage can help pay for things like hotel bills and meals at a restaurant if you have to leave your home because of covered damages.
Personal possessions: Your home’s contents, including furniture, electronics, clothing, and appliances, are covered by personal property insurance. It may also cover items stored off-site in a storage locker and a child’s belongings when they go to college.
Medical expenses: Medical payments coverage can assist in covering medical expenses in the event that a guest gets hurt in your home.
Liability on one’s own: If someone sues you for injuries or damages related to your home, this coverage may assist in paying for their legal fees.
