What Is Covered Under A Homeowners Insurance? 
-- > Normal 0 Basic homeowners policies provide coverage in three general areas . They agree to indemnify you for some or all of the cost to repair or replace your home or your personal property should it be damaged or destroyed . They agree to indemnify you for some or all of your increased living 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 for certain civil actions should something you do or fail to do cause someone injury or damage and they will pay some or all of civil judgments should you be found responsible . How well you are reimbursed for these types of expenses depends on the specific policy you purchase , the premium you pay and the insurer you choose . You might also be interested in the Insurance Library responses to questions like What Should I Look For When Buying Home Insurance ? and How To Select Homeowners Insurance ? 