Homeowners Insurance

• Dwelling Coverage: This part of the policy helps protect the structure of the home itself, including the foundation, walls, roof, built-in appliances, and other structural components. It covers damage caused by covered perils such as fire, windstorms, hail, lightning, theft, and vandalism.
• Personal Property Coverage: This coverage protects the homeowner's personal belongings, including furniture, clothing, electronics, and other items, in case they are damaged or destroyed by covered events.
• Liability Coverage: Homeowners insurance includes liability protection, which helps cover legal expenses and damages if someone is injured on the homeowner's property, and the homeowner is found responsible. This can include medical expenses, legal fees, and court judgments.
• Additional Living Expenses (ALE) or Loss of Use: If a covered event makes the home uninhabitable, homeowners insurance can cover additional living expenses, such as hotel bills, meals, and other costs incurred while the home is being repaired.
• Other Structures Coverage: This part of the policy covers structures on the property that are not attached to the main dwelling, such as a detached garage, shed, or fence.