- Contents Replacement
- Medical Payments
- Additional Living Expenses
Homeowners insurance provides you with financial protection in the event of a disaster or accident involving your home.
Standard homeowners insurance protection
A standard homeowners insurance policy insures your house and your belongings in the event of a destructive event, such as a fire. In addition, in most cases the coverage includes also your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family (including your household pets).
Insurance for condominiums and apartments covers your belongings, liability and specific parts of the house structure.
All forms of home insurance provide additional living expenses coverage for the extra costs of living away from home if it is uninhabitable due to damage from an insured disaster.