Homeowners Insurance
See how dwelling, personal property, liability and deductibles fit on a typical homeowners policy.
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Home insurance basics
A standard homeowners policy is a package of property and liability coverages. It is not a warranty against maintenance problems. Reconstruction cost, not sale price, is the usual starting point for dwelling limits.
Dwelling coverage
Dwelling coverage applies to the house and attached structures after a covered loss. Separate limits often apply to other structures such as detached garages. Building-code upgrades may require an ordinance-or-law endorsement.
Personal property, liability and deductibles
Personal property coverage is for belongings, often with sub-limits. Liability can help with certain injury or property-damage claims. Deductibles may be flat dollar amounts or, in some catastrophe-prone areas, percentages of dwelling coverage.
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Frequently asked questions
Does a homeowners policy cover flood?
Typically no. Flood insurance is usually a separate NFIP or private policy. Check flood maps and lender requirements.
What is additional living expense coverage?
If a covered loss makes the home uninhabitable, this coverage may help with reasonable extra living costs. Ordinary bills you would have paid anyway are not automatically included.