For Consumers

What's covered and not covered under homeowner insurance?

What's covered

Homeowner insurance is divided into two parts: property protection and liability protection. You should also be aware of typical exclusions.

Part 1: Home insurance property protection

  • Dwelling
  • Other structures
  • Personal property
  • Loss of use or additional living expenses
  • Additional coverages

Part 2: Home insurance liability protection

  • Medical payments
  • Liability
  • Personal liability

What's not covered

Don't be surprised: There are several major risks that a standard homeowner policy does not cover. If you face these risks, you should strongly consider buying additional coverage.

Other common things your basic policy doesn't cover