What Four Insurance Coverages Should be Part of Your Homeowner’s Policy?


Financial security is offered by homeowners’ insurance against loss brought on by accidents, theft, and disasters. Four fundamental categories of coverage are typically included in ordinary policies: Coverage for your personal property, your home’s structure, liability protection, and additional living expenses are all generally included.

Coverage for the structure of your home

Your homeowner’s policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning, or other disasters listed in your policy.

Liability coverage

Liability protects you from legal action for the harm you or your family members cause to another person’s person or property. It also covers losses brought on by your pets.

Coverage for your personal property

If your furniture, clothing, computers, sporting goods, or other personal belongings are stolen or destroyed in a fire, hurricane, or another insured event, you are still covered.

Additional living expense (ALE)

If you are unable to reside at home due to damage from an insured disaster, ALE will cover the additional costs of living elsewhere. While your home is being rebuilt, it pays for hotel expenditures, dining out, and other expenses not ordinarily associated with living.

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