Homeowners Insurance

Homeowners insurance covers the structure and your personal property, as well as your personal legal responsibility (or liability) for injuries to others or their property.

Homeowners insurance policies may include provisions for:

  • Dwelling (for damages to your house)
  • Other structures (for damages to fences, detached garages, sheds, etc.)
  • Personal property (for damages to possessions)
  • Loss of use or additional living expenses (for times when your home is being repaired due to a covered cause of loss)
  • Personal liability (coverage for injured on your property or by your pets on your property)

Source: A Consumer's Guide to Home Insurance, 2010.

It is important to note that a standard homeowners insurance policy does not typically include earthquake damage or flood insurance.

See References for more information.

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