Insurance Express

Dwelling coverage, sometimes called “dwelling insurance,” is the part of your homeowners insurance policy that may help pay for the rebuilding or the repair of the physical structure of your home if it’s damaged by a covered hazard.

Personal property is the stuff you own — furniture, electronics and clothing, for example. Whether you own a home or rent an apartment, insurance policies typically include personal property coverage. This type of coverage helps pay to repair or replace your belongings after a covered loss, such as theft or fire. 

Personal liability protection on a homeowners policy is a critical way of protecting yourself if you’re held liable for someone else’s injuries on your property – or cause damage to someone else’s property. It can mean the difference between picking up where you left off and being on the hook for upwards of millions in legal fees, medical costs or repairs.

That’s why understanding the scope of personal liability insurance is essential to protecting you, your family and your financial assets.

Other structures coverage is the part of a homeowners insurance policy that helps pay to repair or replace structures other than your home, such as a fence, if they are damaged by a covered risk. For instance, if a tree falls on your detached garage, other structures coverage may help pay for repairs.