Typical Coverage on Comprehensive Homeowners' Insurance

Homeowners insurance is one of the most important things that you can purchase whenever you own a house. This type of coverage can make sure that you are protected in a number of areas. Here are some of the things that are typically covered with comprehensive homeowners insurance.

Property Damage

Damage to the property is going to be covered under comprehensive homeowners insurance. This is going to cover damage from accidents and unexpected circumstances. It will cover damage from floods caused by problems with the plumbing, but it will not typically cover floods that come from the outside of the house.

Items

Personal property that is inside the house will also be covered under this type of insurance policy. Typically, the policy is only going to cover the contents of the house up to a certain amount that you have decided on. The only exception is if you itemize all of your contents and pay extra money for additional coverage.

Personal Liability

Typically, homeowners insurance is also going to cover personal liability as well. This type of insurance is usually going to cover medical payments for an individual that is injured on your property. It is also going to pay them a lump sum of money in addition to the medical payments.

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