What Does Homeowners Insurance Typically Cover?

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What Does Homeowners Insurance Typically Cover?
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• While almost every homeowners insurance policy
  is different, there are some things that most
  have in common, and here we look at those in a
  little more detail
• What is typically covered in a standard
  homeowners insurance policy?
• Most policies cover a wide range of possible
  damages, along with coverage for your physical
  dwelling and other structures such as garages,
  sheds and driveways, and personal property is
  generally accounted for, too. If youre running a
  business anywhere on your property though, a
  standard homeowners insurance policy may not
  cover many aspects of that.

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• Personal property coverage is sometimes referred
  to as contents insurance, and may be limited to
  certain high-value items such as jewellery or
  artwork.
• Lets look in a little more detail at some of the
  different types of coverage included in
  homeowners insurance policies
• Fire coverage
• Fires in the home can cause a lot of damage, and
  almost every policy protects structures and
  belongings in the event of a house fire. In the
  case of a home being destroyed by a fire and
  becoming inhabitable, standard policies cover
  extra expenses such as additional living costs
  and restaurant bills.

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• Natural disaster coverage
• Not all the natural disasters are covered by a
  standard homeowners insurance policy, but damage
  caused by lightning, thunderstorms, hurricanes
  and hail are usually covered. For more detailed
  information about other natural disasters that
  may not be covered, speak to a professional
  insurance expert who can assess the risk of
  certain events occurring in your region, and
  better advise you as to what your policy should
  include.

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• Flood coverage
• If your home has been flooded due to weather
  related events, then a standard policy will
  probably not cover you, and if you live in a
  flood prone zone, it might be worth investing in
  extra coverage to ensure that youre protected in
  the event of a flood that damages your home. If
  youve had a pipe burst or a toilet overflow, on
  the other hand, most standard policies will cover
  you for this.
• Vandalism coverage
• Coverage that includes an all-risks or all-perils
  policy should cover you in the event of vandalism
  to your home, unless it has been specifically
  excluded.

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• If your property has been vacant for some time,
  it may not be covered unless it still contains
  your personal property, or the property of
  whomever owns the insurance policy.
• Personal injury
• If an injury occurs to someone else while theyre
  on your property in which you are liable, then a
  standard homeowners policy will cover this. This
  might include an event such as someone slipping
  on ice thats on your front walk or falling and
  hurting themselves because of a missing or broken
  step, for example. You might want to talk to an
  insurance provider as to exactly what your
  coverage includes as it is usually limited to a
  certain dollar value.

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• If youre looking for coverage that protects you
  against more than just the basics, talk to an
  insurance expert today to make sure that youre
  fully protected, before its too late.
• We Insure Miami was founded on the principle that
  every individual and business, big and small, has
  assets and valuables that need to be protected
  and insured against forces outside of our
  control. We offer Auto, business and homeowners
  insurance in miami FL. Our agents understand that
  you work hard every day to protect your car,
  home, business and family. WE are passionate
  about Insurance and passionate about serving you.
  If you are looking for auto or business or home
  insurance in miami FL, contact us for a quote or
  a complimentary review of your insurance policies.