What coverage do I get from a homeowners policy?

Get Legal Help Today

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Homeowners insurance includes a broad package of both property and liability coverage, many of which cover activities away from and not in any way connected with your home. Homeowner’s insurance pays for the repair or rebuilding of a house which is damaged by fire or numerous other causes, such as wind damage, freezing and vandalism, just to name a few. However, earthquake and flood, among other things, are not covered unless specifically provided and paid for. This type of policy also pays for replacement of the personal items inside your home if they are damaged by the same causes that damage the house or if they are stolen.

A Homeowner’s policy also covers your legal liability which could arise if someone is injured on your property and also for certain types of actions which occur away from your property that could result in your being legally liable for damages. (Homeowner’s insurance will not cover liability that is normally covered by other types of policies, such as auto, professional liability or business insurance.) Your Homeowner’s liability insurance pays the damage for which you become liable, up to the dollar amount of liability coverage that you purchased. Without this type of liability insurance, all of your personal assets could be at risk if you are sued and found to be responsible for causing injury to someone or damage to another person’s property.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption