Some of the coverage options from which most homeowners can benefit includes:
Property Insurance: Coverage can pay for structural repairs or a full property reconstruction. You’ll need to obtain enough protection for the full, present value of your house.
Possessions Coverage: This pays for lost belongings, such as electronics, furniture, clothing and food. Ask your agent to help you set adequate per-item and cash value limits for replacements.
Liability Coverage: This covers you in the event you cause injury or property damage to a third party. For example, if someone gets hurt in your home, this coverage can help pay their medical bills.
Excess Cost Coverage: If you must move out during repairs, this coverage can help supplement your costs. It might pay for hotel bills, meals and other necessities.