What Is Covered by Standard Homeowners Insurance?

The standard homeowner’s insurance policies include four essential types of coverage. This coverage basically includes following::

1) Coverage for the structure of your home

Our homeowner’s policy pays money for repairing and rebuilding of our home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in the policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home. You may head to http://www.signatureinsurancemi.com/commercial-business-insurance/, i8f you need to know more about home insurance.

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2) Coverage for your personal belongings

The furniture, clothes, sports equipment and other personal items are covered under the policy if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the insurance on the structure of your home. The best way to determine if this is enough coverage is to conduct a home inventory.

3) Liability protection

Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter or dog accidentally ruins a neighbor’s expensive rug, you are covered. (However, if they destroy your rug, you’re out of luck.)

4) Additional living expenses (ALE)

ALE pays the additional costs of living away from home if you cannot live there due to damage from an insured disaster. It covers hotel bills, restaurant meals, and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.

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