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What does standard homeowner's insurance cover?

A standard HO-3 policy covers damage to your home's structure from fire, wind, hail, lightning, and other named perils. It also covers personal belongings, liability if someone is injured on your property, and additional living expenses if your home is uninhabitable. Flood and earthquake damage are not covered.

Why It Matters

Knowing what your policy covers helps you fill gaps with additional coverage where needed and prevents surprises when filing a claim.

Related Questions

Do I need flood insurance in New Jersey? How do I file a home insurance claim? How is my homeowner's insurance premium determined? How much homeowner's insurance do I need? What is the difference between replacement cost and actual cash value?

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