Standard Home Insurance Coverage
Your home insurance protection presents a total package, not just dwelling coverage. Home insurance is more than a sum of its parts, but understanding those parts can help you get the best whole product. These coverage types typically are included in a standard policy.
Standard Home Insurance: What You Get
Even veteran homeowners insurance buyers can stumble when it comes to citing exactly what’s typically included in a standard policy. That’s why we’ve put together this handy Home Insurance 101 resource. Standard policies typically include six types of protection for you house. See the tiles below for a quick explanation of each type of coverage, You can click ‘More details’ for further information on each coverage type.
Dwelling Coverage
Dwelling coverage is what comes immediately to mind when someone says ‘home insurance.’ It protects the structure of your house against covered perils such as fire, wind, lightning, and hail. You should have enough dwelling coverage to rebuild your house from the ground up should it be destroyed by a covered event. One caution: Separate policies are needed for flood and earthquake coverage.
