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House insurance

Homeowners insurance is a form of property insurance that covers losses and damages to an individual's residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others. Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.

Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: 1. coverage for the structure of your home; 2. coverage for your personal belongings; 3. liability protection; 4. coverage for additional living expenses.

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Company informations

Insurance Agency
John Doe

5002 Example Street
Los Angeles, CA 90034

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E-mail address:
contact@insuranceagency.com

(+123) 456 789 000

Available 8:00am - 4:00pm

A basic homeowners insurance policy includes six coverage provisions that cover the structure of your home, your personal property, additional living expenses, and legal and medical expenses.
COVERAGE TYPE WHAT DOES IT COVER? HOW MUCH ARE YOU COVERED FOR?
Dwelling coverage Covers the structure of your home and built-in appliances Coverage limit should be equal to your home's estimated replacement cost
Other structures coverage Covers detached structures on your property Usually, 10% of your dwelling limit
Personal property coverage Covers your personal belongings both inside and outside the home Usually, 50% of your dwelling limit
Loss of use coverage Pays for additional living expenses while your home is being repaired Usually ,20% of your dwelling limit
Personal liability coverage Pays for legal and medical bills if you're held liable for injury or personal property damage to someone else Usually between $100,000 and $500,000
Medical payments coverage If a guest is injured in your home, it pays for their medical bills, regardless of who is at fault Usually between $1,000 and $5,000