What Is Covered by Homeowners Insurance

Every homeowners insurance policy is different, so your coverage depends on your plan.

A standard homeowners insurance policy typically includes six types of coverage. You can learn more about coverage on our Homeowners Insurance 101 page.

  1. Dwelling: Covers the structural components of your home.
  2. Other: Covers detached garages, sheds, fences, and other structures on your property.
  3. Contents: Covers for personal items and household contents.
  4. Loss of Use: Financial support for additional living expenses in the event that you can't live in your home because of damage from a covered claim.
  5. Personal Liability: Coverage if someone files a lawsuit against you for an injury or property damage.
  6. Medical: Covers medical expenses if an injured person agrees not to sue.

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About this content: The content included on this webpage in no way guarantees coverage for any type of insurance policy or policyholder. This is to be used as a general guide for insurance information and any specific coverage questions should be presented to your insurance agent.