You can protect yourself financially from losses caused by certain disasters, accidents, thefts, and liabilities involving your home or property with home insurance.
The structure of your home, your personal belongings, additional living expenses, and liabilities arising from injuries or property damage caused by you, your family, and pets are typically covered by standard homeowners policies.
The majority of people believe that home insurance only covers major damage caused by fires, natural disasters, and other perils.
However policies may also cover a surprising number of minor things and less serious situations:
Drones, tombstones, sheds, gazebos, and patios, personal belongings for college-age children, things you take on vacation.
Like luggage, tablets, and smartphones, spoiled food caused by power outages on your property, and the cost of fixing credit reports in cases of identity theft
