What does homeowners insurance cover?

Homeowners insurance generally combines several types of protection. Depending on the policy, these may include:

Your home and other structures: Coverage to repair or rebuild after damage from a covered event.

Personal belongings: Coverage for possessions such as furniture, clothing, and electronics if they are stolen or damaged by a covered event.

Personal liability: Protection against certain claims that you are legally responsible for someone else’s injuries or property damage.

Additional living expenses: Help with certain increased living costs if a covered event makes your home temporarily uninhabitable.

Each part of the policy has its own terms and limits. Deductibles may also apply.