Insurance coverages in homeowner's insurance policies

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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