What does home insurance cover?

Answers: THat's the million dollar question! There are roughly 6 common, standard forms. Which form? Then, in some states, (TX comes now to mind!) the standard forms aren't used.

Of course, the standard form can then be MODIFIED by one or more of several HUNDRED endorsements available.

So what one policy covers can be drastically different than what a second policy covers. That's why it's noteworthy to have a local agent, you can talk to, to explain what YOUR home insurance covers.

There are literally a thousand - or more - possibilities - and not ample room to type all the "ifs" and "buts" in here. Source(s): agent, 21+ years
That's a good question. Policies rise and fall widely from company to company and from state to state, so you should talk to a local agent about your specific question.

In very general jargon, homeowners policies include two basic types of coverage: coverage for your property, and coverage for other people.

Coverage for your property includes the house itself, including any attached structures (such as a garage); any detached structures (such as a detached garage or shed); and your personal possessions (clothes, furniture, electronics, etc.). There are a little additional coverages, depending on your company, such as coverage for trees and shrubs, additional living expenses if you must live somewhere else while your home is self repaired, and so on.

Coverage for other people pays when you are legally liable for injury to someone else, or for wrong to their property. For example, it will pay their bills if someone is on your property and slips on your steps, or if your dog bites them. It also includes medical payments for immediate first aid.

This is a short summary, but the variation are endless. Insurance is regulated by state, so please consult an agent in your home state to determine the best opportunity for you. Source(s): Insurance agent with 16 years industry experience
I guess this site which i recently found on the internet can relief you with such matters. They also cover auto and home insurances. Source(s): http://www.johnalsopinsurance.com/
Home insurance covers muchmore than purely the home. It also covers accidents in and around your property. It's broken down into several category, like property damage, liability, etc. The best entry to do if you have a specific wuestion as to a claim you may have or what may be covered specifically within reference to what you need is to send for your insurance agent. Each policy and each company underwriting the policy have different coverage schedules.
That is more of a company-specific question....

Email me if you have specific question Source(s): State Farm Agent
Basically the building and the contents. Every policy is a bit different.

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