: Most policies do not cover floods or earthquakes.
: Covers legal defense costs and medical bills if a visitor is injured on your property or if you accidentally damage someone else's property. What is Usually Excluded?
: Reimburses you for personal items like electronics, furniture, and clothing—even if they are lost or stolen while you are away from home. home owner insurance
Standard policies, such as the common , typically include four primary types of protection:
It is important to note that standard policies often specific high-risk events. You may need separate riders or policies for: : Most policies do not cover floods or earthquakes
: Protects detached buildings on your property, such as fences, sheds, or detached garages.
: Pays to repair or rebuild the physical structure of your home if it is damaged by a "covered peril" like fire, smoke, wind, or hail. : Reimburses you for personal items like electronics,
: Damage from normal wear and tear, mold, or pest infestations (like termites) is typically not covered. Key Concepts for Policyholders What Does Homeowners Insurance Cover? - Allstate