A standard homeowners insurance policy insures the home itself and the things you keep in it. It is typically a package policy, which means it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

What’s included in a Homeowners Insurance Policy?

  • Dwelling – Protects your house and any attached structures, such as garages, decks or fence.
  • Other Structures – Protects structures that are not attached to the home, such as a detached (separate) garage, storage or utility shed, playground equipment and swimming pools.
  • Personal Property – Covers your possessions, whether they are at your home or away with you on vacation.
    • NOTE: Types of property with significant value (jewelry, fine arts, collectibles, etc) may require special protection. Talk to us about scheduling (adding) coverage on a floater which broadens and extends coverage for high-valued possessions.
  • Loss of Use – Handles the cost of additional living expenses while your home is being repaired.
  • Personal Liability – If you are legally responsible for causing property damage or physical injury. Protection includes paying for your defense costs and any financial judgment for covered incidents.
  • Medical Payments – Provides reimbursement for minor injuries, such as a guest who trips and falls while visiting your home. This coverage does not apply to a family member.

How can I be sure I have the right coverage?

A complete review of your policy is the only way to determine what property is covered and what perils are insured against. We can help you identify your risks and explain what’s included in a homeowners insurance policy, including the standard limits of coverage on property insured such as money, watercraft, theft of jewelry, silverware, and other personal articles. Contact us today to learn how we can help you insure your home, auto and life.


The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.


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