5 areas of Protection When Insuring Your Home

What does a basic homeowner’s insurance policy cover?

The basic homeowner’s insurance typically covers the following:

1. **Dwelling Coverage:** This covers the structure of your home, including the walls, roof, floors, ceilings, built-in appliances, and other structural components, in the event of covered perils like fire, windstorm, or theft.

2. **Other Structures Coverage:** This provides coverage for structures on your property that are not attached to your main dwelling, such as a detached garage, fence, or shed.

3. **Personal Property Coverage:** This covers your personal belongings, such as furniture, clothing, and electronics, in case they are damaged or stolen.

4. **Liability Coverage:** This provides protection in case you are found legally responsible for injuries to others or damage to their property while on your premises.

5. **Additional Living Expenses (ALE) Coverage:** If your home becomes uninhabitable due to a covered loss, this coverage helps with the additional costs of living elsewhere, such as hotel bills or temporary rental expenses.

It’s important to note that policies can vary, and additional coverages or endorsements may be available to tailor the policy to your specific needs. It’s advisable to carefully review the policy terms, conditions, and exclusions before purchasing homeowner’s insurance.

At The Copeland Insurance, we have a team dedicated to advice and educate homeowners on how to best cover their Invesment with the insurance that fits their needs and budget. Call us today!

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