What Is Covered In A Standard Homeowners Insurance Policy?


When you move into a new home, one of the first things you may do is call your insurance company to get a quote for homeowners insurance. Depending on the type of house you live in, your policy may cover everything from property damage to liability claims. In this article, we’ll take a look at what is typically covered under homeowners insurance and how much it may cost. We’ll also provide tips on how to save money on your policy and protect yourself in case of an emergency.

General Liability

A standard homeowners insurance policy typically covers damage to your home, personal injury, and property damage. Many policies also include liability coverage, which helps protect you if someone is injured on your property or if you are sued for damages. Liability insurance can help cover costs that result from lawsuits filed against you or your business.

Property Damage

A standard homeowners insurance policy covers losses caused by a variety of natural and man-made events, including fire, theft, storm damage, and vandalism. The policy also typically includes cover for property damage caused by your home’s own occupants, such as when they break a window.

Your policy may cover additional coverage if you have liability insurance or excess liability insurance. Liability insurance pays for damages you’re legally responsible for, while excess liability insurance provides extra protection in case you are held liable for more money than your policy limits.

Homeowners’ policies usually have exclusions that prevent them from covering certain types of losses. You should review your policy carefully to make sure that it covers all of the events that could occur on your property.

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Automobile insurance provides coverage for damage or loss to your car, as well as personal injuries that may occur while driving the car. In most cases, homeowners insurance will also cover damage or loss to your home if your car is damaged while parked in it.

Most policies include coverage for damage caused by natural disasters, such as hurricanes and floods. Automobile insurance also includes coverage if you are involved in an accident that is not your fault.

Umbrella Coverage

Homeowners insurance policies typically cover damages to your home, belongings inside, and personal liability. Coverage can vary based on the type of policy you have, but in most cases it will include damage from storms, fires, and other types of emergencies. Some homeowners insurance policies may also cover your personal liability if someone is injured on your property due to something you did.


Homeowners insurance covers a wide range of events that can happen while you’re living in your home. Whether it’s a fire that spreads to your building, or something as minor as water damage from a broken pipe, your policy will usually cover the costs associated with repairing or replacing things damaged during the event. Additionally, homeowners insurance often includes coverage for accidents that occur while you’re outside of your home (such as when you’re climbing a tree). Make sure to read your policy carefully so you know what is and isn’t covered.