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Home insurance can offer vital protection for owners, but not every policy will cover the same items. Getty Images
Your home is more than just a place to live — it’s probably your largest investment. Protecting it from financial disaster starts with the right insurance coverage. When unexpected damage occurs, a good home insurance policy can make all the difference.
However, a traditional homeowners policy will not cover everything. We spoke with insurance experts to find out what items it usually includes (and excludes) and how to ensure adequate home coverage. Below, we’ll break down what to know.
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What’s covered under home insurance and what’s not
Homeowners insurance can help with sudden damage from incidents such as fires or storms, but it won’t cover all problems that could affect your home. When you have a claim, you’ll pay a deductible first — then your insurance covers the rest, up to your policy’s limits. Here’s what you can (and can’t) expect from a typical homeowners policy:
What’s covered under home insurance?
What’s covered under home insurance and what’s not
