Home insurance cover

Your home insurance policy will give you protection in four basic areas: the structure of your home and other buildings on your property, the personal belongings you store in your home, liability coverage, and the cost of extra expenses in the event that you can't live in your home for a period of time.

When a home insurance provider refers to your “structure of home”, they mean the actual building that is your house as well as separate buildings like a shed or separate garage. This part of your coverage provides for damages to your roof, walls, windows, and pipes as long as the damage is not caused by something that was present before you signed on for insurance (i.e. termites).

The belongings you store in your home are covered under home insurance as well. You will be asked to take a careful inventory of your possessions, including the date you purchased it and the price you paid. It's important to be thorough and update your policy as often as necessary. If you don't claim it now, you won't be able to file a claim to replace it later if anything happens to it.

Liability coverage is to take care of legal and medical expenses in the event that someone is injured on your property. For example, if your dog bites the mailman and the mailman sues you for damages, your home insurance policy will help you cover the costs.

If your house is damaged to the point that you will be unable to inhabit it for a period of time, your home insurance policy may cover the extra cost of living. Things like hotel costs and food bills may be covered. Ask your provider for the specifics; they vary from policy to policy.

You will find that laws that relate to home insurance as well as industry standards change to keep up with current events. The basics of what home insurance covers, however, stays pretty much the same no matter what.

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