Standard Coverage for Homeowners Insurance

Insurance in Tampa Bay

Homeowner’s insurance policies are designed to protect a home and the possessions inside the home. If theft or damage harms the home, the homeowner should be reimbursed financially. Some homeowners’ policies also include liability coverage against accidents inside the home or on homeowner’s property. Some of the standard coverage of a homeowner’s insurance policy also includes the following:

Personal Belongings. These are covered if they are stolen or destroyed by fire. Personal belonging coverage can be as much as 70% of the insurance on your home’s structure especially if they include items like jewelry, furs, art, collectibles, and silverware.

Home: Reimbursement for repairing or rebuilding your home if it is damaged by natural disasters, fire, or others listed in your policy. It’s usually standard that the home structures include such detached as a garage, tool shed, or gazebo. It makes sense to be sure you buy enough coverage in the event you need to rebuild your home.

Liability Protection:  This coverage is for injury or property damage that you cause to other people. Plus, it may also pay for damage your pet causes to others. Make sure your policy also provides no-fault medical coverage, so if someone is injured in your home, medical bills can be submitted to your insurance company.

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