What Does Homeowners Insurance Actually Cover?

Your home is likely your biggest investment — but do you know what your homeowners policy actually protects? This quick video walks through the core parts of a typical policy: dwelling coverage for the structure, personal property for your belongings, liability if a guest is injured, and loss-of-use for living costs after a covered loss. It also covers the big exceptions most homeowners miss: flood and earthquake damage usually require separate policies.

Coverage varies by policy, carrier, and endorsements. This video describes common homeowners policy features in general terms; review your own policy documents for exact coverages, limits, deductibles, and exclusions. Flood and earthquake coverage typically require separate policies.