What's Covered In Homeowners Insurance? 
-- > Normal 0 Basic homeowners policies provide coverage in three general areas . They agree to indemnify you for the cost to repair or replace your home or your personal property should it be damaged or destroyed . They agree to indemnify you for your increased expenses should your home be damaged or destroyed and you are required to live somewhere else while your home is being repaired . They agree to provide you a legal defense and pay some or all of certain civil judgments should something you do or fail to do injure or damage someone . Obviously each area has its own limitations which are outlined in 40-50 pages of words some of which are subject to legal interpretations but for the most part this is the type of coverage you will find in most homeowners ' policies . 