Homeowners Insurance Coverages
What are the standard homeowners insurance coverages?
Standard homeowners insurance includes coverage for your house, other structures on your property, your belongings, personal liability, medical payments coverage to others, and even temporary living expenses while your home is being rebuilt or repaired due to a covered loss.
Find the typical coverages you’ll have required or available to you below, or estimate how much homeowners insurance coverage you'll need with our home insurance calculator.
Standard homeowners insurance coverages
These basic homeowners insurance coverages are included in your homeowners policy.
Covers damage to your house and attached structures
Covers structures not permanently attached to your house
Covers personal belongings if they're stolen or damaged
Loss of use
Covers increase in living expenses
Covers lawsuits against you
Covers injuries on your property
Optional homeowners insurance coverages
You may be able to add any of these coverages to customize your policy based on your needs.
Water back-up and sump discharge or overflow
Covers damage from water that backs up, overflows, or discharges from sewers, drains, sump pumps, or related equipment.
Covers uncommon but expensive lawsuits and situations
Perils: What you're protected against
Perils are occurrences that can damage your house, other structures on your property, and your belongings.