What does homeowners insurance cover?
A homeowners insurance policy is designed to protect both the physical structure of your home and your personal belongings. The main coverages include:
- Property damage: Protects the structure of your house (walls, roof, installations) against risks such as fires, storms, vandalism, and other natural disasters depending on the policy.
- Personal belongings: Covers the cost of replacing your furniture, appliances, clothing, and other valuables inside the home in case of theft, fire, or other covered events.
- Liability: Protects you if someone is injured on your property or if you accidentally damage someone else’s property. This can include coverage for medical expenses and potential legal claims.
- Temporary housing costs: If your home becomes uninhabitable due to a covered incident, the policy may cover accommodation expenses while
