Homeowners Insurance
Homeowners
policies are policies that include property, liability, theft and
medical payments coverages. Standard types of insurance coverages on
your home offer protection against the financial loss you might
suffer if any of the following events occur:
- Property coverage
- Fire, windstorm, hail, tornados, vandalism, smoke damage and
other physical damage to your home or belongings
- Theft of your personal property
- Liability coverage
-
Someone gets injured on your property due to your
negligence or that of a member of your family. Liability
coverage also provides protection when somebody else's
property is damaged as a result of your negligence. If
someone is injured at your home, your insurer will reimburse
you for immediate necessary medical expenses, generally up
to a limit of $500 or $1,000. Examples of the types of
expenses that would be paid are transportation to a hospital
or doctor's office or a doctor's bill for necessary first
aid.