What Is and Isn’t Covered in a Homeowner’s Insurance Policy

Homeowner’s insurance helps provide financial coverage for your home and personal belongings. It consists of different coverages that help you pay for repairs on your home or the replacement of belongings in the event of losses. It also may cover costs if you accidentally damage someone else’s property. Let us take a closer look at what is and is not covered in a homeowner’s insurance policy.


Your Home

Your homeowner’s insurance policy will cover the physical building of your home. This includes your dwelling’s foundation, walls, and roof. It may also include structures that are attached to your home like a deck, balcony, or garage. You will have to ask your insurance company for specifics on your dwelling policy.

Personal Property

Most homeowner’s policies cover personal property as well as the home itself. This would include electronics, furniture, or valuables. Different policies have different levels of coverage, so it is important to understand what personal property is included and excluded in your policy.

Liability Protection

A typical homeowner’s insurance policy includes liability coverage. Liability insurance can potentially cover you if a non-household member is injured on your property. For example, if a visitor trips over a broken step or slips on your driveway and gets hurt, this could be covered under your liability policy. Your policy might cover legal or medical costs. You could even increase your liability coverage by adding a personal umbrella policy. Be sure to ask your agent about all your options.


It is important to find a homeowner’s insurance policy that works for you and your home. We can work with you directly to customize your policy to fit your specific needs. Be sure you are aware of what your policy does and does not cover, so there are no major surprises when you call to file a claim. Do not hesitate to ask us any of your insurance-related questions!