What does a home insurance covers?


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Most standard homeowners insurance policies covers the following

Dwelling coverage: Covers your home’s physical structure

Personal property coverage: Covers the personal belongings inside the home

Liability coverage: This covers costs related to any bodily injury sustained by someone in your home

Additional expenses coverage: This includes any extra living expenses that might come up if you’re displaced from your home (e.g., hotel costs, transportation).

There are also some companies that offers additional coverage that you can add to your core policy based on your needs. For instance, maybe you have underground utility lines that you want to protect with your insurance policy. In that case, you can add underground utility line coverage on top of your standard policy.