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Types of Coverage

Homeowners insurance typically includes several key types of coverage:

• Dwelling Coverage: This covers the physical structure of your home, including walls, roof, and built-in appliances.
• Personal Property Coverage: This protects your personal belongings, such as furniture, electronics, and clothing, from theft or damage.
• Liability Coverage: This provides protection if someone is injured on your property and decides to sue.
• Additional Living Expenses: If your home becomes uninhabitable due to a covered loss, this pays for temporary living costs.

By understanding these different types of coverage, you can tailor your policy to fit your specific needs and avoid paying for unnecessary coverage.