Homeowners policy coverage
Many homeowner's insurance plans have coverage. The critical coverage
forms are listed below. Bear in mind that only if the loss is triggered
by a hazard the policy protects. For example, if your house becomes unlivable
due to an earthquake and your homeowner's insurance doesn't cover
earthquakes, your insurance won't pay for your house use loss. Review
your policy for coverage restrictions.
• House damage. Get reimbursed for damage to your home and home structures.
This involves damage to appliances such as plumbing, electrical wiring,
heating, and permanently mounted air-conditioning.
• Other services. Pay for damage to gates, tool sheds, freestanding
garages, guest cottages, and other non-house buildings.
• Contents. Reimburse you for the value of your belongings, including
furniture, electronics, appliances, and clothes, damaged or lost even
when they are not on your house, such as those in an off-site storage
locker or college with your child.
• Lost use. Pay any extra living expenses when restoring your house.
• Self-reliability. Covers your financial loss if you are held legally
liable for injury or harm to someone else.
• Medical costs. Pay medical bills to harm your property or your pets.
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