homeowners policy

Understanding your homeowners policy

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Reading a homeowners insurance policy for the first time can be intimidating. With all the jargon, exclusions, and conditions you’ll encounter, you may start thinking that Mom was right–you should have gone to law school after all. Nevertheless, all homeowners policies share certain common elements and follow a recognizable design. Once you understand the roadmap, […]

What Is Covered by Standard Homeowners Insurance?

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Most standard homeowners insurance policies include four essential types of coverage: Coverage for the structure of your home Coverage for your personal belongings Liability protection Additional living expenses if you are temporarily unable to live in your home because of an insured disaster 1. The Structure of Your House Your homeowners policy pays to repair […]