What Homeowners Insurance Covers
Most homeowners know that they need insurance for their property. There are so many options out there for insurance that there may be some confusion about what type of insurance coverage to get. You will want to compare different companies and policies that offer CT homeowners insurance because it is essential to familiarize yourself what insurance policies often cover.
Elements of Home Insurance
The first thing many people think about concerning the topic of home insurance is home replacement in case the house is damaged. However, not all types of damages are covered. So-called acts of God such as storms and floods require separate insurance policies because typical homeowners insurance does not cover these incidents. You may be able to find a policy that covers part or all of the following:
- Dwelling coverage
- Additional structures
- Personal property
- Liability insurance
- Medical coverage
Dwelling coverage, as the name suggests, covers the actual structure of the home that needs to be rebuilt if it is damaged. Some CT homeowners insurance also covers additional structures, such as sheds and fences. Personal property, such as clothes and equipment, can be added to a claim if there has been home damage. A policy can protect those who live on the property from liability suits directly related to the home, and medical costs can be reimbursed for those who harmed in the house. Look for a policy that covers the items that you feel require the most attention.