What Does Home Insurance Cover?

Before you buy home insurance, you probably want to know what this type of insurance covers. In case you don’t know, home insurance covers more than just your physical home. The following are covered under a standard home insurance policy, including a policy provided by the Carminucci Agency.

Home Structure

While this may be an obvious one, home insurance covers your physical home. If your Croton Falls, NY home is damaged by an event such as a fire, hurricane, or hail, your insurance policy will cover the cost of repairs. However, home insurance policies typically don’t cover damage due to floods or earthquakes.

Other Structures

A home insurance policy may also cover detached structures such as garages and sheds.

Personal Belongings

Home insurance covers the items inside your home, including furniture, clothes, and electronics. If your belongings are stolen or damaged during a natural disaster, your policy will help you with the costs of replacing these goods. Most home insurance policies limit personal property coverage, but you can choose extended coverage to cover expensive items not covered under your normal policy.

Home Liability Protection

Your home insurance policy protects more than physical items. Home insurance provides you with liability protection if someone gets accidentally injured on your property.

Additional Living Expenses

If your home is damaged to the point where it is unfit to live in, you will need to live elsewhere. Your home insurance policy will help cover the costs that come with being displaced from your home.

Learn More About Home Insurance

To learn more about home insurance benefits for your Croton Falls, NY home, call or visit the Carminucci Agency.