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What Does Home Insurance Protect Against

A standard homeowners policy (also known as an HO-3 policy) generally protects your home and your personal property from damage caused by:

  • Fires or lightning

  • Windstorms (including hurricanes and tornadoes) or hail

  • Explosions

  • Smoke

  • Aircrafts

  • Vehicles

  • Falling objects

  • Theft or vandalism (sometimes called malicious mischief)


A standard home policy won't typically cover damage caused by floods or earthquakes. Other exclusions can include water damage, mold or fungus, vermin, and wear and tear or deterioration.

Other Structures :  

Insures the unattached structure on your property


Additional living expense coverage:

Helps pay to relocate you if you have to leave your home temporarily due to a covered loss.

Personal Property:

Covers your personal belongings either in the home or on the go.

Medical Payment:

Helps pay medical bills to those injured on your property.

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The descriptions of coverages are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself.

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