What does homeowners insurance cover?

Standard policies typically cover the structure of your home, personal belongings, liability protection, and additional living expenses if your home is uninhabitable due to a covered peril.

Homeowners insurance typically covers several major areas:- **Dwelling Coverage**: Protects the structure of your home from damage caused by events like fire, wind, and hail.- **Personal Property**: Covers belongings like furniture, electronics, and clothing if they're stolen or damaged.- **Liability Protection**: Covers you if someone gets hurt on your property and sues for damages.- **Additional Living Expenses**: Covers the cost of temporary housing if your home is being repaired.It’s important to review your policy regularly to ensure you have the right coverage.

If a fire breaks out in your kitchen and damages both the structure and your appliances, homeowners insurance would help cover the repair costs for the damage and also replace the affected appliances.

Carefully review your homeowners insurance policy to understand what's included and what's excluded. Talk to your agent to make sure you have sufficient coverage for your needs, especially if you live in an area prone to natural disasters.