Homeowners insurance provides a range of coverage, depending on the policy type. Learn what is and isn’t covered by homeowners insurance and what varies by policy.
Master the basics of homeowners insurance so you can understand the ins and outs of your policy and what's covered.
Homeowners insurance policies help you financially recover from a setback such as a house fire, tornado or theft. Find out what home insurance covers and does not cover.
Mold in your home can create numerous challenges, and your homeowners insurance may cover mold damage only under certain circumstances.
What is homeowners insurance and what does it cover? Learn the basics about homeowners insurance policies, deductibles, limits and how it helps protect your home and belongings.
Home insurance includes coverage for your property and liability. Learn what home insurance covers and doesn’t cover.
Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate homeowners insurance products to write unbiased product reviews. A home is the biggest asset most Americans have. Homeowners insurance offers protection for your home and personal possessions. Although homeowners insurance is not required by law, if you have a mortgage, your lender will require it to protect the home. If you live in a dis ...
Coverage for the structure of your home ; Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. Most policies also cover detached structures such as a garage, tool shed or gazebo—generally for about 10 percent of the amount of insurance you have on the structure of the house. A standard policy will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, rem ...
Homeowners insurance covers losses and damage to an owner's residence, furnishings, and other possessions, as well as providing liability protection..
Wear and tear: Home insurance doesn't cover things in your house that wear out. It could be an old TV that stopped working or a 30-year-old roof that has seen better days. But you'll have...