What Does My Homeowners’ Insurance Cover?

If you’ve just purchased your first home, the next task on your to-do list should be to purchase Alpine home insurance. To get the proper policy for your home, it helps to understand what a basic homeowners’ policy covers.

The Dwelling and Other Structures

Of course, your homeowners’ insurance protects your home but it also protects the other structures on your property. Consider garages, barns or even guest houses you may have on your land. Even your fences may be eligible for protection.

Your Personal Property

In addition to protecting the structures, your homeowners’ insurance protects the personal property you have inside the home. At a basic level, policies typically cover electronics in case of burglary or disaster. You may also choose to purchase a plan that covers more expensive items like jewelry or fine art.

Yourself

Finally, basic homeowners’ insurance provides liability coverage. This protects you in the event that a guest or worker on your property is injured. Liability may cover medical bills and lost wages so that you don’t end up paying out of pocket.

When purchasing Alpine home insurance, always ask specific questions about what it covers. Remember, a typical homeowners’ policy does not cover damage due to earthquakes or floods. If you live in an area prone to them, you may need to purchase an additional policy.

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