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What Does Home Insurance Cover | HUB Insurance Hunter Blog

September 26th, 2011  |  Insurance

Home insurance is an important form of coverage that protects homeowners in a variety of situations. In general, it provides three main sources of protection: Structures, personal property, and liability.

Home insurance offers coverage in case something was to happen to the structure of your home. This includes property elements such as your fence, shed, and garage for detached homes. Coverage for your home will vary if you live in an attached home such as a townhouse or condo.

The second area of coverage that is included in your home insurance is personal property. Your personal belongings such as the items in your home, electronics, jewelry and art work are all covered in your home insurance policy, protecting you if you are the victim of a break in or theft.

Finally, you will also receive third party liability coverage as part of your home insurance policy. This protects homeowners in case someone is injured while on their property.

The specifics of how much coverage you have for each of these three forms of protection will depend on your specific policy and home insurance company. If you are not sure about how much coverage you currently have, it is a good idea to talk to your insurer to re-evaluate your insurance needs.

For more information about what is and is not included in your home insurance policy, give us a call at HUB Insurance Hunter, where you can get 3 quotes in 3 minutes and save money on your next home insurance policy with us! 

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