What does homeowners insurance protect against?
Generally, homeowner’s insurance will cover replacing your home and personal property up to certain limits. Most disasters are covered, but not earthquakes or flooding, and homeowner’s policies do not cover the normal aging of your house. Homeowner’s insurance also may include liability coverage, which covers personal injuries to other people that happen due to your negligence. Policies will provide coverage for: • Damage to your home and other structures on your property, such as a garage, deck or swimming pool • Loss or damage to your personal possessions, wherever they may be kept • Loss of use. This will help pay the cost of additional living expenses incurred when your home is damaged and isn’t inhabitable until repairs are made. • Coverage of bodily injury to persons injured on your property or whose possessions are damaged on your property • Medical payments for injuries that occur in an accident on your property or, under limited circumstances, off your property. For example, i
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