What types of property are typically covered under a home policy?

A typical home insurance policy, which is often referred to as homeowners insurance, generally provides coverage for a range of property types and perils that may affect the insured residence. The primary dwelling itself is usually covered for damages arising from perils such as fire, theft, vandalism, and natural disasters, depending on the specific terms and conditions outlined in the policy. In addition to the structure of the home, most home insurance policies extend coverage to other structures on the property. This may include detached garages, sheds, fences, and any other buildings that are not directly attached to the main home. Another key aspect of homeowners insurance is personal property coverage. This typically includes belongings within the home, such as furniture, electronics, clothing, and appliances. Most policies provide coverage for these items against damage or loss due to covered events, both inside and sometimes outside the home. Furthermore, home insurance often includes liability coverage. This protects the insured against claims for bodily injury or property damage sustained by others on the property. Lastly, many policies may also offer coverage for additional living expenses incurred if the insured residence becomes temporarily uninhabitable due to a covered loss. This can include hotel stays or other costs related to maintaining a standard of living while repairs are being made. For precise details regarding specific coverage types and limits, reviewing the policy or checking the latest information on the official Intact website is recommended.