Homeowners Insurance Policy

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Coverages

Dwelling
Pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.
Personal Property
Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
Liability
Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
Medical Payments
Covers medical bills for people hurt on your property. Medical Payments coverage also pays for some injuries that may happen away from your home, such as if your dog bites someone.
Loss of Use
Pays for additional living expenses if your home is too damaged to live in during repairs. Most standard home insurance coverage pays 10 to 20 percent of the amount of your dwelling coverage.

Interesting Facts

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