What does homeowners insurance cover?

Homeowners insurance provides coverage for damages and losses to your home and personal belongings caused by covered perils, such as fire, theft, vandalism, or severe weather events. It typically includes dwelling coverage, which protects the structure of your home, as well as other structures like garages or sheds. Personal property coverage assures reimbursement for lost or damaged possessions like furniture, appliances, and clothing. Additionally, liability coverage safeguards you in the event of injuries to others on your property or damage caused by you or your family members, including legal expenses if you are sued. Additionally, some policies may offer additional coverages like living expenses if you're temporarily displaced due to a covered loss, or protection for valuable items such as jewelry or art. Homeowners insurance provides peace of mind by providing financial protection against unexpected events.