What is in a standard homeowners insurance policy?

A standard homeowners insurance policy includes four essential types of coverage.

They include:
1. Coverage for the structure of your home.
2. Coverage for your personal belongings.
3. Liability protection.
4. Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.

The structure of your house

Your personal belongings

Liability protection

Additional living expenses

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Source: Insurance Information Institute. www.iii.org