What Home Insurance May Cover
- ✓ The home's structure and attached features.
- ✓ Personal belongings depending on the policy type.
- ✓ Personal liability if someone is injured on the property in a covered situation.
- ✓ Additional living expenses when a covered loss makes the home temporarily unlivable.
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Why Policy Type Matters
An owner-occupied home, a rented apartment, and an income-producing rental property do not have the same risk profile. That is why homeowners, renters, and landlord insurance are separate products.
Choosing the Right Coverage for Your Situation
Visitors should identify their ownership and occupancy situation first, then compare coverage limits, deductibles, liability protection, and any exclusions that may affect their specific property or location.