What does a standard homeowner policy cover?
A. The standard homeowner policy covers two areas: property and liability. The property covered includes your house and attached structures like your garage, your personal property and detached structures like a shed or gazebo located on the premises. Your policy also provides coverage for additional living expenses like hotel expenses if your house is damaged and not habitable. The liability coverage provides protection if you or a member of your household is held liable for injuring someone or damaging someone’s property.
