Homeowner provides liability and damage to your property and contents
This coverage protects you if someone is accidentally injured while on your premises.
Limits of liability is what your needs requires $100,000, $300,000 or more.
This protects your home and other structures on your property for damage such as smoke, fire, lightning, theft, falling object and windstorm.
This will include furniture, clothing and appliances as a result of a covered loss Also includes 10% away from premises
Additional Living Expenses
If your home is unlivable due to a covered loss you would have coverage for expenses incur, up to the limits of your policy
Although there is coverage for Jewelry, silverware, art and others these have limitations. In some cases these items, due to the value, should be scheduled on your policy for an additional premium.
These are just a few coverages explained in the homeowner’s policy.
Your individual needs should be discussed with your agent, so you get the best possible protection.