What Does A Typical Homeowners Insurance Policy Cover?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A typical homeowner’s policy covers damages to or destruction of the residence, other structures on the property, and the personal property of the homeowner.  It also includes coverage for the increased cost of living should the building become uninhabitable and miscellaneous coverages.  The second major section is liability.  In this section the policy covers you if you are sued for bodily injury or property damage.  There is also coverage for medical payments should someone be injured on your property.
    Answered on April 25, 2014
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