Generally, a homeowners insurance policy might include some of the following coverages:
It is important to note that your homeowners insurance policy might not be limited to the above coverages.
Dwelling coverage—This helps cover repairing or rebuilding damage to the house’s structure.
Other structures coverage—This assists in covering other buildings on the property, such as a shed or gazebo.
Liability coverage—This helps cover injury or damage to others or their property if the policyholder is held responsible.
Contents or personal property coverage—This helps cover clothes, furniture, electronics and other items in the home if they’re damaged or lost due to a covered cause.
Loss of use coverage—This assists with living expenses in a covered loss, such as temporary housing after a house fire.