A brief overview of the coverages provided by this policy

Dwelling and Other Structures: This covers the physical structure of your house and any other detached structures on your property, like a garage or fence, if they are damaged by a covered peril. Personal Property: This covers your personal belongings, such as furniture, clothing, and electronics, both inside and outside your home, up to your policy’s limits. Loss of Use: If a covered event makes your home uninhabitable, this coverage helps pay for temporary living expenses, like hotel stays and meals, while your home is being repaired or rebuilt. Liability: This protects you if you are sued for causing accidental injury to someone else or damaging their property. It can cover legal costs and medical bills if a guest is injured in your home or if your pet injures someone. Medical Payments: This covers medical expenses for guests who are accidentally injured on your property, regardless of who is at fault. Important Note: Standard policies often exclude damage from natural disasters like floods or earthquakes, which typically require separate policies.