Home About Products Agents FAQs Claims Frequently Asked Questions Home › Frequently Asked Questions What does a homeowner insurance policy cover? Generally, Homeowner insurance covers damage from incidents such as fire, theft, and vandalism to your house, other structures like a garage or shed, and your personal belongings. It covers living expenses if your house becomes temporarily unusable, and liability in case you or a member of your household injures someone or damages their property. What is generally not covered by a homeowner insurance policy? Do I have an adequate amount of dwelling coverage on my policy? I don’t own a home; do I still need Homeowners insurance coverage? What do Condominium Insurance policies cover? Does my homeowner insurance policy cover flood? Why do I need Renters insurance? Should I complete a home inventory? What should you do in the event of a loss? What is a deductible? What is the difference between Collision and Comprehensive coverage for my automobile? What is Bodily Injury Liability? What is Property Damage Liability? What is Personal Injury Protection (PIP)? What is Uninsured Motorist Coverage? What is Underinsured Motorist Coverage? How can I get a quote for an Ocean Harbor policy? Get a Quote Today! Find an Agent near you to get a free custom quote. Copyright © 2015 Ocean Harbor Casualty Insurance Co. All Rights Reserved. Employment | Privacy Policy | Agent Portal Custom WordPress website design by Oasis Interactive RSS