What Can a Homeowners Insurance Policy Cover?

Homeowners insurance offers a broad range of coverages to help protect your home. And they're not just limited to protecting the physical structure of your house; a typical homeowners insurance policy often covers damage to your belongings, other structures on your property, as well as liability protection in case someone is injured at your home.

An older man looks over his Allstate Homeowners Insurance Policy Cover, wondering was is covered.

Types of Coverage

Typical homeowners insurance policies typically include these types of coverage:

Dwelling protection typically covers your home and attached structures, like your deck or your attached garage.

Personal property protection may cover your belongings against covered losses. This type of coverage is generally subject to limits that apply per category—such as jewelry—as well as per item in the category—such as one necklace.

Other structures protection may cover damage to other buildings on your property that aren't attached to your home, like a detached garage or a shed.

Family liability protection may help cover you if someone is injured on your property and files a lawsuit against you.

Guest medical protection can help cover medical expenses that arise if someone is injured on your property.

Additional living expenses coverage can help you pay for temporary increased costs in living you experience if your house is so damaged by a covered peril, such as a fire, that you cannot safely stay there.

Many carriers offer additional optional coverages you can purchase to further protect yourself, such as extended coverage for jewelry, watches and furs, to help cover items whose worth exceeds your personal property protection limits. Or, ask about a personal umbrella policy, which can help protect your assets in the event that someone sues you because of an accident at your home and the damages are higher than the liability limits on your homeowners insurance policy.

Perils/Causes of Loss

Depending on your specific homeowners insurance policy, the following perils, or causes of damage, may be covered:

  • Fire/smoke
  • Lightning strikes
  • Windstorms
  • Hail
  • Explosion
  • Vandalism
  • Theft
  • Damage caused by the weight of snow, sleet or ice
  • Falling objects
  • Aircraft damage

Limits and Deductibles

In addition to understanding the coverages and the covered perils in your homeowners insurance policy, you should also be aware of your deductibles and limits.

A deductible is the amount of money the policyholder is required to pay out of pocket toward a loss before the insurance company begins to help pay. You will probably want to make sure that your deductible is an amount that you could afford to pay in the event of a claim.

The limit you choose is the maximum amount of money an insurer will pay under a particular coverage.

Want to purchase homeowners insurance that's right for you? Talk to an Allstate agent today.

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"Published: May 2013"

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2013 Allstate Insurance Company, Northbrook, IL.

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