What does a typical homeowners policy cover?

An insurance representative can help you determine the homeowners coverage that best fits your needs and budget, but a typical policy can cover:

  1. The structure of your home
  2. Other structures on your property (e.g. garage, shed)
  3. Your personal belongings
  4. Additional living expenses if you cannot live in your home due to a covered loss or repairs
  5. Your personal liability or legal fees
  6. Valuable items (extra coverage can usually be added)