What Does Homeowners Insurance Cover? Coverages, Exclusions and Gaps
A homeowners policy covers your house, other structures, belongings, extra living costs and liability, but only for covered causes of loss and up to your limits.
Home Insurance guides
A homeowners policy protects the structure, your belongings and your liability, but only for covered causes of loss and only up to your limits. These guides help you read your declarations page, spot gaps and choose settlement options.
All home insurance articles
Replacement Cost vs. Actual Cash Value: What It Means for Your Claim
Two policies with the same limits can pay very different amounts after the same loss. The difference is usually depreciation.
Topics we're working on
- Does homeowners insurance cover water damage?
- Home insurance deductibles: flat vs percentage
- HO-3 vs HO-5 homeowners policies
- Does homeowners insurance cover mold or roof leaks?
From other topics
How Much Car Insurance Do I Need? A Plain-English Guide to Coverage and Limits
State minimums are a floor, not a target. Here's how to choose liability limits, decide on collision and comprehensive, and fill the gaps other drivers leave.
Should You Bundle Home and Auto Insurance? How to Tell If It Saves Money
A bundle discount isn't the same as the lowest price. Here's how to compare a bundle against separate policies, like for like.
How to File a Car Insurance Claim: A Step-by-Step Guide
What to do at the scene, which claim to file, what your insurer will ask for and what to do if you disagree with the offer.