What is covered under Home Insurance Cover?

Home insurance is essential for protecting one of your most valuable assets - your home. Understanding what's covered under your policy helps you make informed decisions and ensures you have adequate protection for your property and belongings.

This covers the physical structure of your home, including walls, roof, floors, and built-in appliances. Structure coverage typically protects against:

• Fire and lightning damage
• Windstorm and hail damage
• Explosion damage
• Vandalism and malicious damage
• Damage from aircraft or vehicles
• Water damage from burst pipes

This protects your personal belongings such as furniture, electronics, clothing, and other possessions. Coverage typically includes:

• Furniture and appliances
• Electronics and gadgets
• Clothing and personal items
• Books and documents
• Jewelry and valuables (with limits)
• Sports equipment and tools

This covers you if someone is injured on your property or if you accidentally damage someone else's property. Liability coverage includes:

• Medical expenses for injured guests
• Legal defense costs
• Property damage to others
• Personal liability away from home

It's important to understand what's typically excluded from standard home insurance policies:

• Flood damage (requires separate coverage)
• Earthquake damage
• Normal wear and tear
• Pest infestations
• Business equipment (requires business insurance)
• High-value items without additional coverage