What does your house insurance cover? The time to find out is not when a disaster has already occurred and you learn you’re not covered!



What is Usually Covered





Typical homeowners policies cover the following items:


* Your home itself, including attachments such as a garage or rental unit


* Your personal possessions (Subject to limits for example, many policies only cover jewelry up to $1000. You need to purchase a rider for extra coverage.)


* The personal possessions of any guests staying at your home


* Items you were storing at your home for someone else


* Your lawn and landscaping


* Buildings and structures on your property that are not attached to your house, such as tool sheds and gazebos


* Vacant land (except for farmland) that you own or rent


* Living expenses if your home is damaged and you have to live somewhere else during repairs


* Rental payments if a part of your home that you rent becomes unlivable due to damage



What Your Insurance May Not Cover



Some coverages you may not have include:


* Replacement cost coverage, which pays what it would cost to replace your home and possessions rather than their Actual Cash Value


* Mold and water damage


* Natural disasters


* Dogs


* Intentional damage


* Home office equipment


* Luxury items and collectibles



You can often buy supplemental coverage for these items.



How to Get the Best Insurance Rate



The best way to get the best house insurance rate is to comparison shop, and the easiest way to do that is to get quotes from an insurance comparison website. It’s quick, it’s easy, and it’s free.