What Does Home Insurance Cover?

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Home Insurance
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What Does Home Insurance Cover?
Almost every homeowner has a home insurance
policy put up some place. This document is left
unattended or unread for years without most
homeowners even considering the policy from the
time they purchase the insurance until a disaster
occurs and then the sad truth is that the damages
are not covered in their home insurance
policy. This small exclusion can even include
the bad luck of a pipe bursting in the middle of
winter when the pipe freezes or if your washing
machine or dishwasher breaks and pours water all
over the kitchen or laundry room and out into the
carpeted areas of your home.
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The best way to learn what is covered is of
course by reading your home insurance policy. You
will need to know this information if the
unthinkable happens including storms that damage
your roof, your dog breaks through the fence and
destroys the neighbor's yard, or if a burglar
steals your laptop from your hotel room while on
vacation.
In general the most common things included in a
home insurance policy are explained below, but
remember these are what is normally covered, your
policy may not cover all of these or it may cover
even more, you will need to read your policy to
ensure you know exactly what is or is not covered.
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Coverage on most home insurance policies include
the structure of the home including any
structures attached to the home such as a garage,
your lawn, shrubs, trees, flower beds, all
unattached buildings such as barns, work sheds,
gazebos, guest houses, pool house, and
greenhouses. If your home is damaged and is
unlovable until repairs are completed, most home
insurance policies will cover the living expenses
needed for a specific period of time until the
home can be repaired.Yours and your family's
personal belongings along with guest's belongings
that are in your home at the time of the disaster
are normally covered. Many times your personal
belongings are also covered when taking them on
vacation.
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